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👋 Welcome to 21Ways Debt & Expense Tracker
Take control of your debt and recurring bills — in a private, browser-only tool. Add your first credit card or click Demo Data to explore.
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100% Private
Data never leaves your browser.
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Daily Reminders
Know what's due today, this week, this month.
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Smart Payoff
Avalanche + snowball hybrid strategy built-in.
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Promo Tracker
Never get burned by an expiring 0% APR again.
Your Accounts
Credit cards, loans, and recurring subscriptions. Click an account to edit, or use the Add tab to import new ones.
Add a Credit Card or Loan
Enter the basics — APR, balance, due date, credit limit. Optional fields like promo rates power the alerts.
📄 Upload a Statement (PDF or CSV)
Drop a credit card statement PDF or a bank-exported CSV. We'll parse it client-side — nothing is uploaded anywhere.
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Drag & drop a PDF or CSV here
or click to choose a file · PDF / CSV / TXT
🔁 Reconcile Transactions (Bank CSV)
Drop your last 30–90 days of checking/credit transactions. The app compares each charge against your scheduled accounts and tells you what cleared, what's missing, and what's an unknown charge. Works with any bank — Chase, Wells Fargo, Bank of America, Capital One, Discover, etc. 100% browser-local.
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Drag & drop a checking-account CSV here
Export from your bank's "Download Transactions" page · CSV only
💵 Log a Payment
Confirm the actual amount paid. Variance vs. expected gets flagged so you catch errors early.
🎯 Promotional Rate Tracker
Promo APRs hide a ticking time bomb. We track expiration and flag balances that need to be paid off before the rate jumps.
🧠 Smart Payoff Strategy
A hybrid of avalanche (highest-interest-first) and snowball (smallest-balance-first). We surface the #1 account to focus extra payments on.
📊 Debt Composition
About 21Ways Debt & Expense Tracker
21ways.org built this free tool because the existing options (Mint shut down, YNAB costs $109/yr, every other "free" app sells your data) all fail one of the three things that matter for getting out of debt: knowing what's due tomorrow, knowing what to pay off first, and not leaking your finances to a server somewhere.
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Privacy First
No accounts. No server. No tracking pixels. Your data is in your browser, full stop.
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Forever Free
No paywall, no premium tier. Use everything.
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Real Strategy
Hybrid avalanche/snowball that adapts to your actual rates and balances.
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Your Data, Yours
Export everything as JSON any time. Walk away, no consequences.
FAQ
Is my data really only in my browser?
Yes. Open DevTools → Application → Local Storage and you'll see exactly what's stored. There is no signup, no server call, no analytics. Clearing your browser data will erase your records, so export regularly.
Will this work on my phone?
Yes — it's a responsive web app. Bookmark it to your home screen for a native-feeling experience.
What happens if I clear my browser?
All your data is gone — that's the trade-off for total privacy. Use the Export button to save a JSON backup; you can re-import it any time.
How do I switch from another tracker?
Export from your old tool, then either re-enter manually, drop CSVs into the upload box, or contact us for a one-time migration helper.
