Built in Estonia, by people who use it every day.

Tracken started as the spreadsheet our own household had been wrestling with for ten years. We rebuilt it as the tool we always wanted — structured, multi-bank, and honest about its AI.

For more than a decade we tracked the household budget the way most Estonian families do: a Google Sheet that started simple and slowly turned into a 12-tab beast nobody dared touch. Every January it broke. Every month one of us spent an evening copy-pasting CSVs from Swedbank, SEB and LHV. The numbers were always a few weeks late.

We tried every consumer budgeting app on the market. They were either built around a single account, locked to one country's banks, or so opinionated that the data didn't match how we actually thought about money. So in 2025 we started building Tracken — first as a private replacement for our own spreadsheet, then as a product for other households with the same problem.

Tracken is small on purpose. One product, no growth-hack roadmap. We ship features we use ourselves, in a country we know, on banks whose statement formats we read every month.