# Smart Money Tracker
> The free, zero-bloat personal finance, money tracker, and daily expense manager.

Smart Money Tracker (smartmoneytracker.net) is an open, private personal finance ecosystem designed for instant expense tracking, multi-account liquid net worth aggregation, and zero device storage consumption (<1 MB PWA / 18 MB Android APK).

## Key Capabilities
- **0 MB Device Footprint**: Operates via cloud-streaming REST API with Progressive Web App (PWA) offline capabilities, eliminating device slowdowns.
- **Fast 3-Second Logging**: Quickly record daily expenses with smart auto-categorization and receipt photo attachment.
- **Multi-Account Net Worth**: Unifies physical cash, bank checking, emergency funds, digital wallets, and foreign currencies.
- **Travel Mode FX**: Automatically converts foreign currency transactions across 100+ currencies with real-time exchange rates.
- **Shared Wallets**: Couples and roommates can link accounts using secure 6-character invite codes (e.g. SMT-XXXXXX).
- **Gamified Savings Streaks**: Daily logging streaks with achievement badges to build financial discipline.
- **Financial Wrapped**: Monthly Spotify-style story card visualizer for savings rate, top spending categories, and archetype analysis.
- **Data Sovereignty**: 100% private, zero advertising tracking, with instant 1-click CSV and JSON data export.

## Main Entry Points
- [Web Application](https://smartmoneytracker.net/app): Instant web dashboard access.
- [Money Tracker Guide](https://smartmoneytracker.net/money-tracker): Wealth and net worth tracking silo.
- [Expense Tracker Guide](https://smartmoneytracker.net/expense-tracker): Daily expense and budget management silo.
- [REST API Health](https://smartmoneytracker.net/api/v1/health): System status and health monitor.
- [Full LLM Specification](https://smartmoneytracker.net/llms-full.txt): Comprehensive technical documentation for AI agents and LLMs.