Terms & Conditions


You should assume everything on the BudgetTracker, Inc. site is copyrighted whether or not specifically indicated. This material may not be used except with the express written consent of BudgetTracker, Inc. or any third party holder of the copyright. BudgetTracker, Inc. does not warrant or represent that your use of the material displayed on our site will not infringe the rights of third parties. Any product, service, message, discussion, program or technology described on the BudgetTracker, Inc. web site may also be the subject of other intellectual property rights including but not limited to copyright, trademark, or patent rights owned by BudgetTracker, Inc. or other third parties. Any such right that is not expressly licensed herein is reserved by BudgetTracker, Inc. or the appropriate third parties.


BudgetTracker, Inc. is not responsible for the sites linked to our site. The links do not indicate any approval or endorsement of any material on any linked site. Your connection to any linked site is at your own risk.


There is no warranty that any information or service provided or referenced by this site is either merchantable or accurate, that such information or service will fulfill any of your particular purposes or needs, or that such information or service does not infringe on any third party rights. Unless otherwise expressly noted on this site, all information, products or services provided or referenced on this site are provided “AS IS” and with all faults, and the entire risk as to satisfactorily quality, performance, accuracy and effort of the BudgetTracker, Inc. site. BudgetTracker, Inc. reserves the right to these “TERMS OF AGREEMENT”, the “PRIVACY POLICY”, or any other portion of our site at any time.

Message Board

BudgetTracker, Inc. may not be held responsible for any misconduct or misuse of text on the Message Boards or Private Message Boards. BudgetTracker, Inc. will frequently monitor the site to make sure all messages are kept at a respectful level of discourse. Profanity, misuse, or abusive conduct is prohibited on the Message Boards. BudgetTracker, Inc. has the right to restrict or remove user access to the Message Boards for any reason at our sole discretion. If you feel the material is inappropriate, offensive, or violates the DMCA, or the intellectual property rights of you or others please notify BudgetTracker, Inc. at help@secure and we will look into the matter further. The copyright of all information that you submit to any of our Message Boards will reside in BudgetTracker, Inc.

File Storage

Our File Storage service is hosted by Amazon’s S3 Service. Our File Subscription includes up to 2gigabytes of storage on their servers. BudgetTracker, Inc. may not be held responsible for any loss of data or servers going down which is caused by Amazon.com. BudgetTracker, Inc. does not permit obsene or offensive images and reserves the right to stop service at any time. If your service has been turned off for any reason, you may request a 3 day opening to download all your files to your computer by emailing us at .

User Data

BudgetTracker, Inc. will use commercially reasonable efforts to preserve all data provided but BudgetTracker, Inc. will not be responsible for lost or purged data. You are responsible for archiving your own data and backing it up on a regular basis by clicking the “Download Now!” link in the Download Transactions section. All text data will be stored encrypted and will not be disclosed to anyone unless required by law. BudgetTracker, Inc. will do everything within power to keep information confidential. Under no circumstances will BudgetTracker, Inc. be responsible for the expense of lost data or consequential damages, whether foreseeable damages or not, due to data loss.

Hold Harmless

You agree to indemnify, defend and hold harmless BudgetTracker, Inc., its affiliates, officers, directors, employees, consultants and agents from any and all third party claims, liability, damages or costs (including but not limited to attorneys fees) arising from your use of our services, your violation of the Terms of Service or your infringement, of any intellectual property or other right of any other person or entity. We recognize the sensitivity of the information you are submitting. We do not sell your personal information to third-party marketers or any other entity for any purpose. If for any reason a court of competent jurisdiction finds that any provision of “TERMS OF AGREEMENT” is unenforceable, the remainder of the Terms of Service will continue in full force and effect.

Privacy Policy

The purpose of is to provide an online tracking mechanism for users to keep track of all their finances, organizational tasks, and business needs. Through the site, users have the ability to view their finances from any internet connection via Personal Computer or Mobile Phone.


In order to use this Web site, we request certain personally identifiable information from you on the registration form and require you to enter your email and a password. During registration you are required to give contact information (such as name and email address). We use this information to contact you about the services on our site in which you have expressed interest. Once registered, you may opt in to receive monthly newsletters to the email address provided. For information on updates to our site, you may visit the Message Boards section of BudgetTracker, Inc.. The email you choose when registering is the main point of validation when any updates are needed on the account such as forgetting your password or inquiring about information related to the account. If your email is no longer valid, we will use the security question and answer you filled out on the registration form to verify your identity before any information is given out about your account. BudgetTracker, Inc. is the sole owner of the information collected on budgettracker.com. BudgetTracker, Inc. collects personally identifiable information from our users at several different points on our Web site.


We will send you strictly service-related announcements on rare occasions when it is necessary to do so. For instance, if our service is temporarily suspended for maintenance, we might send you an email.
Generally, you may not opt-out of these communications, which are not promotional in nature. If you do not wish to receive them, you have the option to deactivate your account by going to the Settings page.


Based upon the personally identifiable information you provide us, we will send you a welcoming email. We will also communicate with you in response to your inquiries, to provide the services you request, and to manage your account. We will communicate with you by email, in accordance with your wishes.


If you wish to subscribe to our newsletter(s), we will use your name and email address to send the newsletter to you. Out of respect for your privacy, we provide you a way to unsubscribe. Please see the “Choice and Opt-out” section.


If you no longer wish to receive our newsletter, you may opt-out of receiving them by following the instructions included in each newsletter or communication or by emailing us at . We offer an opportunity to opt-out of certain communications on the Profile Update page, or you may contact us at BudgetTracker, Inc. 1st Avenue #57 Seattle, WA 98104 to opt-out.


If you choose to use our referral service to tell a friend about our site, we will ask you for your friend’s name and email address. We will automatically send your friend a one-time email inviting him or her to visit the site. BudgetTracker, Inc. does not store this information. Your friend may contact us at to request that we remove this information from our database.


We utilize an import contacts feature to help you keep track of your contacts. At your request we will search your email address book to help you import your contacts to our site. This is done manually by importing a .VCF file which can exported from Microsoft Outlook or Apple Contacts. Once imported, your contacts may be used as a view only tool so that you can see any of their information by logging into the BudgetTracker, Inc. site. We will not contact users in your contacts list at any time while in the Contacts application. When using the Invoices application, we will allow you to send an invitation to any of your existing contacts contacts by clicking the “Send Invitation” link after adding them to your Invoice. The email will explain that they can create a new account on the BudgetTracker, Inc. site so that you may provide access to your Invoice for viewing only.

Add Contact: We utilize an add contact feature which allows you to add your personal contacts. We collect their name, email address, address, mobile phone number and other information you may wish to keep track of. This information is not for our personal use, but to allow you to use this information while using our services.


We use other third parties such as a credit card processing company to bill you for services. When you sign up for PayPal or Amazon, we will share your email address as necessary for the third party to provide that service.
These third parties are prohibited from using your personally identifiable information for promotional purposes.


If your personally identifiable information changes, or if you no longer desire our service, you may update it by making the change on our Profile Update page or by emailing our Customer Support at


BudgetTracker, Inc. does not share, sell, rent or trade personal information with third parties for their promotional purposes.


If you use a message board, or weblog on this Web site, you should be aware that any personally identifiable information you submit there can be read, collected, or used by other users of these forums, and could be used to send you unsolicited messages. We are not responsible for the personally identifiable information you choose to submit in these forums.


For your protection, we only allow users to enter in the last 4 numbers of your account numbers. This ensures that your credit cards and checking accounts can not be tampered with in any way. We take the security of your financial data very seriously and believe the more places you store your credit account numbers, the higher security risk you run into. This is why we prefer to be an organizer of your data, but not the key holder to your bank or financial institution.


All data is stored securely in a private datasource at RackSpace.com. Please visit the datacenter section of their site for more information. All passwords are stored encrypted in MD5 format. All text is stored in 128 bit encryption. BudgetTracker, Inc. also uses Thawte Certificates to ensure all data transferred between your browser and the internet is encrypted. BudgetTracker, Inc. uses SSL (Secure Socket Layer) encryption for all logged in pages where sensitive information such as credit card information is being passed over the internet.


A cookie is a piece of data stored on the user’s computer tied to information about the user. We may use both session ID cookies and persistent cookies. For session ID cookies, once you close your browser or log out, the cookie terminates and is erased. A persistent cookie is a small text file stored on your computer’s hard drive for an extended period of time. Your browser’s help file contains information and instructions for removing persistent cookies. Session ID cookies may be used by BudgetTracker, Inc. to track user preferences while the user is visiting the website. They also help to minimize load times and save on server processing. Persistent cookies may be used by BudgetTracker, Inc. to store whether, for example, you want your password remembered or not, and other information.
Third Party Cookies
The use of cookies by Google Analytics is not covered by our privacy statement. We do not have access or control over these cookies. Google Analytics may use session ID cookies to help provide insight into different areas of the site our users use most. The use of cookies by our tracking utility company (Google Analytics) is not covered by our privacy statement. We do not have access or control over these cookies. Our tracking utility company use session ID cookies to help track what pages users are clicking on so that we may analyze the data to provide a better user experience.


We reserve the right to disclose your personally identifiable information as required by law and when we believe that disclosure is necessary to protect our rights and/or comply with a judicial proceeding, court order, or legal process served on our Web site. BudgetTracker, Inc. will use commercially reasonable efforts to preserve all data provided but BudgetTracker, Inc. will not be responsible for lost or purged data. You are responsible for archiving your own data and backing it up on a regular basis by clicking the “Download Data” link in the Navigation menu. All text data will be stored encrypted and will not be disclosed to anyone unless required by law. BudgetTracker, Inc. will do everything within power to keep information confidential. If information is to be disclosed by law, we will attempt to notify you by email, before any information is released. Under no circumstances will BudgetTracker, Inc. be responsible for the expense of lost data or consequential damages, whether foreseeable damages or not, due to data loss.


If we decide to change our privacy policy, we will post those changes to this privacy statement, the home page, and other places we deem appropriate so that you are aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it. We reserve the right to modify this privacy statement at any time, so please review it frequently. If we make material changes to this policy, we will notify you here, by email, or by means of a notice on our home page. Last Updated on 08/08/2009


New Blog Format

We’ve updated the design of our Blog to a new format. This provides more flexibility to post financial information, site updates, and video tutorials about the BudgetTracker website. If you have feedback on our new design or would like to get help on the...

New Chart Summaries

On the website, we’ve implemented a Charts Module that will allow you to see a quick summary of your spending and account forecasting. To view, click on the update modules link and choose the Chart Summaries module. On our new mobile site, you’ll now see a...

Best practices when entering your credit card

The main thing to keep in mind when setting up a credit is that we offer 2 main screens for credit card setup. The first is My Accounts which allows you to assign your transactions to a specific credit card account for tracking purposes. The other is the My Bills...

Budgeting Your Credit Cards

Credit Card payments are a bit tricky to track in your budget. On one hand, you’re paying down a debt similar to your house payment so it counts towards increasing your net worth but on the other hand, if you’re making monthly payments, this feels more...

Staying up to date in BudgetTracker

A big part of staying on top of your budget and utilizing the BudgetTracker tool is to record all your transactions. This can however be a time consuming and difficult task to stay on top of it day to day so here are some optional tips you can use to remain up to...

Exchange Rate Updates

We’ve made some exchange rate updates. Now when viewing the My Transaction page, any accounts that have a custom exchange rate will get calculated into the total balance which is your default currency.

iPad Walk-Thru

Getting Started To help get started with the new iPad app, this article will give you a walk-thru of the app. When you first install the app, the Home screen is a list of all your categories and stored locally on your device. Clicking the plus sign in the upper right...

How Budgeting in BudgetTracker Works

When thinking about budgeting your money, there are typically two types of budgeting, Categorization and Envelopes. The idea behind categories is that you create separate categories for each expense over a monthly period and allocate from the entire monthly income how...

Tracking your Income Taxes

When setting up your Income on the My Income page, we give you the flexibility to split the way your Income comes in. The easiest way to handle Income is record the Net Amount in the amount field but if you are one of those users that want to keep track of taxes...

July 2016
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Welcome to BudgetTracker

Manage your money to achieve your financial dreams.

BudgetTracker is a complete online money management tool designed to keep track of all your transactions and bank accounts from your computer, mobile phone, or iPad. Receive reminders to your phone or email when your bills are due. Get started for Free!


Small Business Applications

In addition to managing your personal finance, BudgetTracker also gives you the tools to track finances and more for your business. This includes Invoicing, Purchase Order Budgeting, CRM applications, and the ability to manage Expense Reports. This gives you the power to switch back and forth between business and personal finances in a seamless way.

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Organize Your Life

Not only do you have the ability to track your finances for both personal and business use, but we also give you the ability to track anything you can think of in your daily life. This gives you the ability to stay completely organized all from one website.

Learn More

Featured In…

Kiplinger Magazine

Kiplinger Magazine

“some people are still not comfortable linking bank accounts directly to a budgeting site. If that describes you, try BudgetTracker.com…”

Popular Science

“Forget Quicken-keep track of your financial life with the free and powerful BudgetTracker.com”…

American Express

“help you track your daily spending.”

Market Watch

“According to Sander, a simple spreadsheet is one of the best ways to set up a budget. The key word is “simple.” Online tools that can help include BudgetTracker.com”

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From managing your finances to keeping track of your daily life, BudgetTracker tracks it all.


“I like the fact that I am able to input my bills to match my income for the month and see what I have left for the month. I will be starting a new position getting paid once a month this will help me a great deal with budgeting money.”


“I know it seems like people often complain, so I thought I’d give you some positive feedback. I’ve tried other free and pay one online budgeting software over the last month. Most of the free ones never improve their products or returned my emails. And the pay one was way too expensive and a bit too complicated. Your quick responses are wonderful, and your site is much more professional than your competitors, and the interface is intuitive and easy to use. Even if you decided someday you had to charge a reasonable yearly fee, ($24.99 a year or something like that) I’m impressed enough I’d stay with your product. Keep up the good work!”


“I am blown away by how responsive your company is. How can I help in spreading getting the word out on your product? I feel like I stumbled on a gold mind that I did not even know exsisted!… It’s a fantastic product… You should advertise on different media.”


“its simple. i have looked for years for software that was simple but still had features. money, quicken, quickbooks, etc have a lot of features but who wants to spend 2 hours setting up your budget these are just to much. budget tracker is by far the best i have found to take care of my finances. thank you for this software.”


About Us

BudgetTracker, Inc. was founded in 2003. We provide a way to track your budget easily from any internet connection or any cellular phone, so that you can enter in your transactions as they happen. Our first goal was to provide a complete, easy, and customizable budgeting solution. After several e-mails of suggestions to be added to the site, BudgetTracker has grown into much more than just a Budgeting Tool. You can save your Bills, Income, Transactions, Budget, and tie all these together in a Calendar that can either send reminders to your email address or your cellular phone. The best part of our site is that all of these ideas came from you!

We continue to grow BudgetTracker into a leading source for all your financial needs based off our customers’ input so your feedback is very important. If you have an idea you think would be useful, or something you would like to change, please email us at service@budgettracker.com.