Pre-spend review
Most spending mistakes do not live in the spreadsheet. They live in the seconds between an urge and a tap. TrackAm sits in that space. You declare what you are about to do — Stingy AI weighs it against everything it knows about your behaviour — then the choice returns to you, clearer than it arrived.
Approve
"Aligned with your goals and balance. Proceed."
Warn
"Tight against your rent runway. Continue knowing the trade-off."
Reconsider
"This transfer pushes you below your obligations. Step back and decide again."
You compose the transfer inside TrackAm — amount, recipient, purpose, and the bucket the money comes from. Before you hand off to your bank, Stingy AI does a quick reading of your live financial state.
This is important. TrackAm is not a payment platform. The actual transfer happens in your bank app — TrackAm just opens it for you after the review. We never see your card, never hold your credentials, and never have your money in our possession.
When you confirm the transfer went through, TrackAm logs it so your behavioural picture stays accurate. If you cancel, it logs nothing.
Stingy AI cannot stop you. That is by design — your money is yours, and adults make their own decisions. What the verdict gives you is a moment of clarity in the place where clarity normally evaporates. Over time, the pause itself becomes the discipline.
Next feature
See where your current behaviour leads — runway, goal arrival, and the trajectory beneath your daily decisions.
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Browse the full set of behavioural-finance modules inside TrackAm.
Behavioural intelligence in your pocket.