See where your money goes

Automated transaction tracking via bank sync in other apps looks good on paper. In practice, it quietly works against you.

First, because transactions are recorded automatically without you ever engaging with them, you lose touch with your financial reality.

Expenses keep happening, and by the time you notice red flags in your recent spending, it’s already too late for a course correction.

Second, automated tracking relies on guesswork, where an app tags your expenses based on merchant names.

But spending $37 on books or a work tool from Amazon is not the same as spending $37 on a new pair of shoes. One might be an investment and the other, an impulse buy. An app can’t tell the difference.

Tracking expenses on your own solves both problems. I’ve tracked my expenses this way for nearly a decade, and I can vouch for it.

Ducat makes daily logging effortless.

There’s no form to fill. Describe your transaction, expense or income as you would to another person, and Ducat does the rest.

The more descriptive you are, the better Ducat can format and tag your transactions, but shorthand like “1.24k macbook pro apple store” works too.

As you track what you spend every day, you know where you're overspending, what’s coming next and take action in time. Track consciously, spend consciously.

Try the app for two weeks, and you’ll feel the difference.

Rahul, maker of Ducat