Feature
A money manager for accounts, transfers and net worth
Chillar's tracks accounts, transfers between them, budgets, loans and planned payments in one place. Net worth is the sum of every account balance converted to your base currency, with excluded accounts left out and a savings buffer you can set and measure against.
Accounts you choose to count
Each account has its own currency, colour and icon, and a flag for whether it counts towards net worth. A joint account you contribute to but do not own can be tracked without distorting your own total.
Transfers are a single transaction
Moving money between your own accounts writes one transfer row, so it never appears as income on one side and an expense on the other unless you ask for that view. Cross-currency transfers store both amounts, because the rate your bank used is the rate that happened.
A buffer you set yourself
Set the amount you want to keep untouched and the balance screen shows the difference between your net worth and that buffer. You can answer 'can I afford this' without opening a spreadsheet.
Frequently asked questions
- Is my financial data private?
- Your rows are isolated at the database level with row-level security, so a query can only ever return your own data. Chillar's sells nothing to third parties and never uses your transactions to target the ads it shows. It reads nothing from your bank, because you never link a bank to it.
- Can I export everything?
- Yes. A full JSON export contains every row Chillar's holds for you, and filtered views export to CSV, XLSX or PDF. The JSON export imports back into Chillar's, so you can restore from it.
Related reading
- A free expense tracker that does the arithmetic exactlyLog expenses by category and account, with exact decimal amountsRead
- A budget planner that tells you what is leftWeekly, monthly and yearly budgets scoped to categories and accountsRead
- How to track expenses (and still be doing it in three months)A five-step method for tracking expenses that survives the second week: pick a capture habit, categorise coarsely, reconcile weekly, review monthly.Read
- How to make a monthly budget from your own numbersBuild a monthly budget from three months of your own spending instead of a template: find your baseline, set limits that bind, and review it once a month.Read
Start tracking in about two minutes
Free to use, and everything you enter is exportable. No card and no trial.