FinTrack — Personal Finance Dashboard

📋 Transactions

➕ Add Transaction

One row = one transaction. All tabs update automatically.

📅 Date

💳 Transaction From

📂 Transaction To

₹ Amount

📝 Notes

Month

From

To / Category

Min ₹

Max ₹

#	Date	Mon	Year	From	To	Amount	Notes	Tag

📆 Monthly Summary

All

Apr

May

Jun

Jul

Aug

Sep

Oct

Nov

Dec

Jan

Feb

Mar

⬡ Dashboard — FY

Cash Flow

Monthly cash flow by category — FY

Spending Breakdown

Share of total annual outflow by category

🏛️ Bank Accounts

💳 Credit Cards

Select a card and enter the bill amount and due date — updates the correct month automatically.

💳 Credit Card

₹ Amount Due

📅 Due Date

Credit Card Spends

Monthly bill amount by card

▲▼ Investments

📊 Demat / Trading Wallet

Opening balance

Log Funds / Profit / Loss / Withdraw (month-wise)

📝 Notes
• Add money: record a transaction From your bank To “Demat Wallet” (or use Log Funds above).
• Profit: use Log Profit above, or record From an income source To “Demat Wallet”.
• Loss: use Log Loss above (money lost in the market, not withdrawn).
• Withdraw: use Log Withdraw, or record From “Demat Wallet” To your bank.
• Each month's opening balance carries forward automatically from the previous month's closing.

Investment Breakdown

Share of each investment this FY

⚖️ Budget Planner

⚓ Loan Tracker

⚙️ Settings & Customisation & Customisation

👤 Profile

⌃

Your Name (shown on lock screen & footer)

📂 “Transaction To” — Sections & Categories Rename · Add · Delete

⌄

Changes instantly update the Transaction To dropdown, Monthly Summary, Dashboard, Investments, and Budget tabs.

📤 “Transaction From” — Banks & Cards

⌄

Rename, add or remove options in the Transaction From dropdown.

📄 Tab Manager Rename · Reorder · Show/Hide each tab

Drag ≡ to reorder tabs. Toggle the checkbox to show/hide a tab. Edit the emoji and label to rename it. Changes apply instantly.

☁ Cloud Sync (JSONbin.io) Free · Cross-device · Auto-save

⌄

Sync your data across all devices for free.
First device: Paste API key → click ☁ Save to Cloud → Bin ID auto-fills.
Other devices: Paste same API key + same Bin ID → click ↓ Load from Cloud.
Tip: Use the 📋 Copy button to copy your Bin ID and share it to your other device (WhatsApp yourself).

🔑 How to get your API Key (use a secure Access Key) ▾

Important: JSONbin gives you a Master Key (full account access) and lets you create scoped Access Keys (limited access). For a browser app like FinTrack, always use an Access Key — it's safer because it can only touch your bins, not your whole account.

Steps (done on the jsonbin.io website, not here):

Go to jsonbin.io and log in (or sign up — it's free).
Open the API Keys page from your account dashboard.
Find the Access Keys section (below your Master Key).
Click Create Access Key, name it “FinTrack”.
Grant these permissions: Bins Create, Bins Read, Bins Update. Leave Delete off.
Copy the generated Access Key and paste it in the field below.

⚠️ You can't edit a key's permissions after creating it — if you need to change them, delete the key and create a new one. Avoid pasting your Master Key here.

Key type

JSONbin API Key (paste your Access Key)

Bin ID (editable — paste from another device)

Actions

🔒 Lock Screen Settings

⌄

Lock after

Passcode is always asked when you open on a new device or after the timer expires

📊 KPI Customisation Monthly Summary & Dashboard tabs

⌄

Choose which KPI cards to show, and which income source to display in the Income KPI.

📊 Monthly Summary

🏠 Dashboard

📅 Financial Year

⌄

Global FY (default for all tabs)

💾 Data Management

Save all data to browser

Export transactions to CSV

Export full backup (JSON) — complete data, can be restored

Restore from backup (JSON) — replaces all current data

Change passcode

Clear financial data (keeps your customisations)

Reset everything (wipes all data + customisations)

💡 How To Use FinTrack

📊 Welcome to FinTrack

FinTrack is a single-file personal finance dashboard that runs entirely in your browser. No account needed, no data sent to any server — your data stays on your device. Everything flows from one transaction log; all tabs update automatically.

▶ Quick Start — 5 Steps

Set up Profile & passcode — Settings → Profile. Enter your name and a 4-digit passcode. The passcode encrypts your data, so also set a security question for recovery.

Customise Categories — Settings → Transaction To. Rename SIP 1–4 to your fund names, add expense categories.

Add Banks & Cards — Settings → Transaction From. They appear in Bank and CC tabs automatically with auto-assigned colours.

Log Transactions — Transactions tab → + Add Transaction. Fill Date, Amount, From, To, Notes. All tabs refresh instantly.

Cloud Backup — Settings → Cloud Sync. Free account at jsonbin.io + API Key + Bin ID. Use ↓ Cloud in the top bar to sync across devices.

📋 Transactions — The Core

Add Transaction

Click + Add Transaction. Fill Date, Amount (₹), From (bank/card), To (category), Notes. All tabs update instantly.

From

Source of funds — bank account or credit card. Add in Settings → Transaction From.

Where money goes — expense, investment, loan EMI, or CC bill payment. Manage in Settings → Transaction To.

Filter

Click the Filter funnel button (top-right). Filter by Month, From, To, Search text, Min/Max amount. Active filters show as blue tags. Clear All resets.

Delete

Click ✕ on any row. A confirmation prompt prevents accidental deletion.

FY Selector

Yellow dropdown in the tab header. Changes FY for that tab only. Indian FY = April–March.

💳 Credit Card Tab

Add / Update Bill

Click + Add / Update Bill. Select card, enter statement amount and due date. Records what the bank billed you — separate from your actual payment.

Record Payment

Transactions → Add Transaction. From = bank, To = CC Bills → [Card]. Records the actual payment made.

Summary Cards

Total billed, paid, outstanding per card. Scroll right for more than 4 cards — existing cards keep their full size.

Spend Chart

Monthly spending per card. Filter pills let you isolate one card with a smooth animation.

Add New Card

Settings → Transaction To → CC Bills → + Add. Card appears here automatically with its own colour.

🏛 Bank Accounts Tab

Opening Balance

Your actual bank balance at FY start (or when you begin tracking). Starting point for running balance.

Running Balance

Opening Balance + credits (salary, income) − debits (expenses, investments, CC payments, loans).

Add New Bank

Settings → Transaction From → Bank Accounts → + Add. Appears automatically with its own colour.

📈 Investment Tab

Opening Balance

Total invested before you started tracking. Enter once as your historical cost basis. Update each April with actual portfolio value.

This FY

Auto-sum of investment transactions this FY. Just keep logging — it updates automatically.

Portfolio Value

Opening Balance + This FY = total invested cost (not market value). Update Opening Balance each April to track growth year-over-year.

Pie Toggle

This FY = only this year's investments. Portfolio = full picture (OB + This FY). Zero-value investments excluded from both views.

Lumpsum / Irregular

Log each investment on its actual date. Months with no investment show —. Annual totals are always accurate.

💸 Budget Planner

Annual Budget

Enter your planned spend for the full year per category (e.g. ₹60,000 for Groceries for the whole year).

Actual Spent

Auto-calculated from all transactions in that category this FY. Updates as you log transactions.

Status & Progress

✅ On Track = under budget. ⚠ Over = exceeded. Bar is green (under 80%), amber (80-100%), red (over budget).

📋 Loan Tracker

Log EMI

Transactions → Add Transaction. From = bank, To = Loans → [Loan Name]. Shows in Loan tab in the correct month.

Loan Month Override

Pay May EMI with June salary? Use Loan Month selector to attribute it to May for accurate tracking.

Interest Rate

Update if rate changes. Only affects future months, not months already paid.

⚙ Settings Tab

Profile

Name, initials, 4-digit passcode, auto-lock timer. Set this up first — your name appears on the lock screen.

Transaction To

All categories. Click section headers to expand. + Add to add items, ✕ to delete. Changes reflect everywhere instantly.

Transaction From

Banks and credit cards. Adding here makes them appear in Bank and CC tabs automatically.

Cloud Sync

JSONbin.io API Key + Bin ID. ↓ Cloud in the top bar loads your latest backup on any device.

Financial Year

Set default FY (Indian FY = April–March). Each tab also has its own FY selector for historical views.

Data Management

Export a full JSON backup anytime and restore it later with one click. Export CSV for viewing in Excel. Clear Data removes transactions only — categories and settings are preserved.

💾 Saving & Access

Local Save

Click 💾 Save (top bar). Stored in browser localStorage. Works fully offline.

Cloud Sync

JSONbin.io in Settings. ↓ Cloud loads your latest data on any device.

Privacy

Your data never leaves your device unless you set up Cloud Sync. No analytics, no tracking, no third-party services.

Cross-device

Open the app on any device. On a new device, use Restore from Cloud on the lock screen (enter Bin ID, Access Key and your passcode) to pull your data down.

🔒 Security & Privacy

Passcode encryption

When you set a 4-digit passcode, your data is encrypted (PBKDF2 → AES-GCM). Without the passcode, the stored data is unreadable — even in your browser's storage. The passcode isn't just a screen lock; it's the key to your data.

Security question

During setup you set a recovery question. If you ever forget your passcode, answer it to recover your data and set a new passcode. Important: if you forget both the passcode and the answer, the data cannot be recovered — that's how real encryption works.

Forgot passcode

On the lock screen tap “Forgot passcode?” → answer your security question → set a new passcode. Answers are not case-sensitive but must otherwise match what you set.

Encrypted cloud

When encryption is on, your cloud backup is also encrypted. Your passcode never leaves your device, and the cloud copy is useless to anyone without it.

Access Key (not Master Key)

For cloud sync, create a scoped Access Key on jsonbin.io (Bins Create/Read/Update) rather than your Master Key. Set Key type = Access Key in Settings. See the in-app guide in Settings → Cloud Sync.

💾 Backup & Restore

Export Backup

Settings → Export Backup saves a complete .json file of all your data. Do this periodically — it's your offline safety net (store it in Google Drive, email, etc.).

Restore Backup

Settings → Restore Backup → pick your .json file. It replaces current data after a confirmation. Useful when moving between domains/devices or recovering.

Export CSV

Settings → Export CSV gives a spreadsheet of transactions for viewing in Excel (CSV can't be re-imported — use JSON backup to restore).

Three things to remember

Your passcode, your security answer, and your Bin ID + Access Key. With these (or a JSON backup), your data is always recoverable.

💡 Pro Tips

Log Regularly

Weekly batch entry works fine. Consistency makes Dashboard and Budget more accurate.

Start of Each FY

Every April, update Opening Balances in Bank and Investment tabs with actual balances to reset the baseline.

New Sections

Adding a category section in Settings auto-creates a KPI card on Dashboard and Monthly Summary — no extra configuration.

CC Workflow

Add bill when statement arrives. Record payment as a transaction. Outstanding = Bill − Payment.

Auto Colours

Banks and cards get auto-colours by position: coral, blue, green, violet, amber, cyan, pink, lime, orange, indigo.