Account Tracker is a powerful personal finance app that helps you track spending and monitor balances across multiple accounts.
It uses a tabbed interface, with five tabs or buttons at the bottom of the screen.
Accounts and Groups
Start off by creating an account in the app for each account you want to track. From the Accounts screen tap the + button at the top right, give the account a short name, set its currency, and set an opening balance on a date of your choice. To go back and change any of these settings, tap the blue i buttons.
Accounts can be arranged into groups, for example to separate your personal and business accounts. To move accounts between groups, select Edit then drag each account into position.
Next add your salary and bills as recurring transactions using the + or Transaction tab. The top bar lets you choose between income (+), spending (-), spending refunds (left arrow) and transfers between accounts (right arrow). The details field is basically the payee, shop or location for spending transactions, or the payer, employer or bank for income. Set a category, the start date, amount and repeat interval. Transactions can be repeated every day, week, month or year, or more complex periods (e.g. every 2 weeks, or the last Friday of the month) using the custom row. For monthly and yearly transactions, you can set a weekend adjustment, to automatically move the occurrence to the Friday or Monday.
Back on the Accounts screen, selecting an account row will show you that account’s transactions and running balance, out into the future.
The Budgets screen lets you set budgets per category for spending, income or transfers. To add a new budget tap the + button at the top right. The horizontal bars show your transactions vs your budget, together with your transaction total / your budget, and the budget remaining. The current date is shown with a small white square, and this lets you see how your budget is tracking vs the period selected. To change dates, tap the left and right arrows, and to change the period tap the date itself.
On the Reports screen, there are actually 7 separate reports, and you can switch between them by scrolling/swiping left and right. The Balance report shows a graph of your end-of-day balance throughout the selected period, together with starting, ending, maximum, minimum and average balances. Weekends or months are shown in grey, and the current date is the vertical green line. The dashed line is the average balance, and the horizontal red line is either 0 or if you are viewing a report for a single account, your alert limit. The dates and accounts are changed in exactly the same way as the budgets. The cash flow report shows amounts for incoming, outgoing and any increase or decrease. The 5 pie charts show spending by category, spending by detail, income by category, income by detail and transfers by category. You can select which accounts to run the reports on using the All button at the top left.
Finally, Account Tracker is highly configurable, and this can be done from the Settings screen.