For Students
Free expense tracker for students — no bank connection required.
TrackGeld is free and designed to help students understand where their money goes. Log expenses in seconds via Telegram, see your spending patterns clearly, and use Iron Mode to commit to limits in the categories that always blow up.
Why student budgets fail — and how TrackGeld helps
Student budgets fail for predictable reasons: food delivery, impulse purchases, and subscription creep. The numbers are small individually. Collectively they drain the last week of the month before any awareness kicks in.
TrackGeld gives you real-time visibility and real enforcement. Log the coffee. Log the delivery. Watch the number against your category limit. When it gets tight, Iron Mode makes sure you have to consciously decide to go over — not just drift over.
Built for the way students actually live
Free forever
No subscription, no credit card, no premium tier. TrackGeld is free to use.
Telegram-first logging
Log expenses from Telegram in 2 seconds. No app to open, no form to fill.
Student budget templates
Rent, food, transport, textbooks — common student categories ready to use.
Iron Mode for problem categories
Lock food delivery or entertainment. Overspending those requires conscious acknowledgement.
Monthly budget view
See every category, your limit, and how much you have left. No surprise end-of-month panic.
Know yourself financially
Understand your spending patterns early — a habit that pays off for life.
A typical student week with TrackGeld
Monday morning
"Spent €3.20 on coffee" → Telegram → logged. Budget: Food €42 remaining.
Wednesday lunch
"€8.50 meal deal" → logged. Budget: Food €33.50 remaining.
Friday night
"€22 food delivery" → Iron Mode triggers. You are at €11.50 remaining in Food. Acknowledge to proceed.
Sunday
"/status" on Telegram → "Food: €11.50 left. Transport: on track. Entertainment: €3 over limit."
Frequently asked questions
Is TrackGeld free for students?
Yes. TrackGeld is free to use. No subscription, no credit card, no premium tier to unlock. Create an account with your email and start tracking.
Do I need to connect my bank account?
No. TrackGeld works entirely with manual entry. Students often prefer this because it keeps them aware of every expense rather than letting auto-sync make spending feel invisible.
How do I log expenses quickly as a student?
The fastest way is the Telegram bot. Send a message like "spent €4 on coffee" or "€12 food" from anywhere — done in two seconds without opening an app.
Can TrackGeld help me manage a student loan or bursary budget?
Yes. Set your total loan or bursary as a monthly budget, log all expenses against it, and TrackGeld shows your remaining balance in real time. Use Iron Mode to enforce limits in high-risk categories like food delivery or entertainment.
What categories are most useful for student budgets?
Students typically track: Food & Groceries, Eating Out, Transport, Rent, Textbooks, Entertainment, Subscriptions, and Miscellaneous. You can create custom categories for anything specific to your situation.
Related pages
Manual expense tracking →
The core logging method — fast, deliberate, no bank connection required.
Iron Mode →
Lock food delivery or entertainment limits — overspending requires conscious acknowledgement.
Budget discipline →
Set category limits and get real-time enforcement on a tight student budget.
Savings goal tracker →
Set a student savings goal — emergency fund, travel, tuition — and track progress monthly.
Recurring payments →
Track rent, subscriptions, and loan repayments — know your fixed costs before you budget.
Start the habit that makes the rest of uni easier.
Free. No bank required. Takes 2 minutes to set up.
Start for free →