Expense Tracking
Manual expense tracker with AI categorisation and budget enforcement.
TrackGeld lets you log every expense manually — no forced bank link, no automatic imports — while AI categorises each entry and budget rules enforce your limits in real time.
Why manual tracking matters
Automatic bank sync is convenient, but it removes the one moment where awareness could form: the act of logging. When every expense records itself, you never have to confront what you just spent. Manual tracking keeps that friction deliberate.
TrackGeld is designed around this idea. You can link a bank account when the feature launches — but you never have to. Many users choose manual tracking permanently because it keeps them conscious of every euro.
How TrackGeld manual tracking works
Quick web entry
Add amount, merchant, date, and category in under 10 seconds from the dashboard.
Telegram logging
Send "spent €18 on food" to the TrackGeld bot and it is logged instantly, no app needed.
AI categorisation
AI reads the merchant or description and suggests the right category — you confirm or override.
Photo receipts
Send a receipt photo to the Telegram bot and the AI extracts the amount and suggests a category.
Live budget impact
Each entry instantly updates your budget progress — you see your remaining allowance in real time.
Iron Mode on overspend
If Iron Mode is on, any entry that exceeds a budget limit triggers a forced acknowledgement.
Logging via Telegram — the fastest method
The TrackGeld Telegram bot is the fastest way to log expenses on the go. Natural language works:
Each message is parsed, categorised, and saved to your account. Connect via the TrackGeld dashboard → Telegram section.
Frequently asked questions
Do I have to connect my bank to use TrackGeld?
No. TrackGeld works entirely with manual entry. You can log expenses via the web app or Telegram bot without linking any bank account.
How fast is manual expense logging?
Very fast. Type "spent 12 on coffee" in the Telegram bot and it is logged instantly with AI categorisation. The web app form takes under 10 seconds.
Does TrackGeld auto-categorise manual entries?
Yes. When you log a transaction, the AI reviews the merchant name or description and suggests a category automatically. You can accept or override it.
Can I log expenses from Telegram?
Yes. The TrackGeld Telegram bot lets you log expenses with natural language — "spent €15 on groceries" — from anywhere, without opening the app.
Why is manual tracking sometimes better than auto-import?
Manual tracking keeps you deliberate. Each time you log an expense you are forced to acknowledge it — which is part of what builds financial awareness. Auto-import hides that friction.
Related pages
Budget discipline →
Each manual entry updates your budget in real time — discipline builds from there.
Iron Mode →
Pair manual entry with Iron Mode: overspending a category requires conscious acknowledgement.
For students →
Manual tracking is especially valuable for students managing a tight monthly allowance.
Recurring payments →
Combine manual expense logging with automated recurring payment tracking.
What is TrackGeld? →
The full TrackGeld overview — why manual-first tracking leads to better financial habits.
Start logging. Start noticing. Start changing.
Manual tracking takes 10 seconds per expense. The awareness it builds is priceless.
Start for free →