TradFiTins.com

Most of my life I had one job, one paycheck, and a handful of bills. Straightforward. I paid everything on time and moved on.

Then life got complicated.

Odd jobs. Side income. Someone who owes me a percentage of the electric bill. Someone else who owes me a flat dollar amount for something else. Credit card debt that I knew was expensive but couldn't quantify until I actually did the math — and the number was worse than I expected. Credit card companies are not in a hurry to show you that number clearly.

And every app that offered to help wanted my bank login. Or my routing number. Or permission to "securely connect" to my accounts so they could sell me something, track me, or both.

I didn't want any of that. I wanted a simple tool that told me:

• What I owe this month and to whom

• What I should receive this month and from whom

• How much my credit card debt is actually costing me per day, per month, per year

• A checkbox when it's paid

So I built it.

TradfiTins is a private, no-bank-login bill and debt tracker.

• Bill register — add your monthly bills, check them off as you pay them. Unpaid ones carry forward. Next month's list seeds itself automatically.

• Debt tins — plug in your credit card balance, limit, and APR. Watch the daily, monthly, and yearly interest calculated in real time. A progress bar shows your balance moving as you pay.

• Income tracking — multiple income sources, each month. Know what's coming in and from where.

• Shared expense calculator — just shipped. Split any bill between any number of people by percentage or flat dollar amount. Tracks who's paid, who hasn't, and carries unpaid balances forward with optional interest. Built it for my own situation. Still hot off the press.

• No bank login. No Plaid. No tracking. You type the numbers in. That's the whole deal.

It's new. I'm using it myself. The first 10 people willing to try it get a full year free.

Code: TIN202606
→ tradfitins.com

Brutal feedback welcome — that's why I'm here.