BudgetTracker, Inc.

Core Business and Purpose

The primary business of BudgetTracker, Inc. is the development and maintenance of its feature-rich online budgeting program, BudgetTracker.com. It operates by simplifying the complex task of budgeting and financial tracking, providing intuitive features that enable users to monitor income, expenses, various financial accounts, and overall cash flow. The company offers a solution for individuals who prefer not to link their bank accounts directly to a budgeting site, a feature that distinguishes it from many competitors, as users have the option to manually enter all accounts and transactions.

Products and Services

BudgetTracker, Inc. offers a broad range of products and services, primarily delivered through its web-based application. These offerings cater to both personal finance management and the operational needs of small businesses.

Personal Finance Management Tools

The core product provides a robust set of tools for personal financial tracking and planning:

• Transaction and Account Tracking: Users can keep track of all their financial transactions, spending habits, and various financial accounts, including Checking, Investment, Savings, and even PayPal accounts, all from a single screen. Spending can be tracked either by importing transactions or through manual entry.
• Budget Creation and Management: The platform allows users to create and stay on top of their personal budgets using either the classic category-based method or the popular envelope budgeting method.
• Bill and Income Scheduling: Features include the ability to schedule and track sources of Income, such as paychecks, on the "My Income" page. It also allows users to save and track bills.
• Custom Calendar and Reminders: A central feature is the customizable financial calendar. This tool ties together bills, income, transactions, and the budget, allowing users to view all upcoming financial events. The system can send reminders to a user's email address or cellular phone when bills are due.
• Financial Forecasting: The income forecast tool provides users with the ability to project how much money will remain after all scheduled bills and income transactions have been accounted for and paid.
• General Organization: Beyond core finance, the platform includes tools to "Organize Your Life," allowing users to track tasks, resolutions, workout schedules, or other personal planning items.
• User Support and Education: The company maintains a knowledge base, message boards, and a blog dedicated to providing users with helpful tips to save money and reduce debt, positioning itself as a source for comprehensive financial needs.

Small Business Management Tools

In addition to personal finance, BudgetTracker, Inc. extends its services to address the needs of small businesses, offering a suite of management and tracking tools:

• Financial and Project Management: The platform enables small businesses to manage and track their operations using integrated tools such as Invoices, Estimates, and Project Planning.
• Reporting and Analysis: Business users can generate essential financial reports, including Balance Sheets.
• Customer Relationship Management (CRM): A built-in CRM System is included to help small businesses track and manage their contacts.

Through its extensive and customizable feature set, BudgetTracker, Inc. positions itself as a long-standing, full-featured online money management tool that offers an alternative to both major desktop software and newer, bank-linking services, catering specifically to the security-minded or those who prefer a high degree of manual control over their financial data.