# DueTrack Studio

> DueTrack Studio is an independent studio making 10 apps for iPhone and iPad. Apps that hold personal data are private by design: most need no account, and records stay on the device or in the user's own iCloud.

## Apps

- [Money Manager & Budget Expense](https://duetrackstudio.com/money-manager/): A private budget tracker that knows what is safe to spend today. App Store: https://apps.apple.com/app/id6800429828
- [PayoffPath: Debt Payoff](https://duetrackstudio.com/payoffpath/): See the exact date you become debt-free. App Store: https://apps.apple.com/app/id6788417314
- [Trading Journal: Forex & Gold](https://duetrackstudio.com/trading-journal/): A trading journal and kill-zone clock for forex and gold traders. App Store: https://apps.apple.com/app/id6784470897
- [Learn Crypto Trading Simulator](https://duetrackstudio.com/crypto-trading-simulator/): Learn to trade crypto without risking a cent. App Store: https://apps.apple.com/app/id6790680933
- [DiaFit: Blood Sugar Tracker](https://duetrackstudio.com/diafit/): Take control of your metabolic health, one small daily habit at a time. App Store: https://apps.apple.com/app/id6779296807
- [FamilyCare: Medicine Reminder](https://duetrackstudio.com/familycare/): Never wonder "Did Mum take her medicine?" again. App Store: https://apps.apple.com/app/id6822946445
- [Qanary: Safe QR Scanner](https://duetrackstudio.com/qanary/): A fast, private QR scanner that checks links before you open them. App Store: https://apps.apple.com/app/id6789390092
- [Coolbench: HVAC Calculator](https://duetrackstudio.com/coolbench/): The offline HVAC/R toolkit for every service call. App Store: https://apps.apple.com/app/id6785438308
- [নামাজের সময়সূচী কুরআন ও হাদিস](https://duetrackstudio.com/namaz/): নামাজের সময়, আল কুরআন বাংলা, নামাজ শিক্ষা ও দোয়া — এক অ্যাপে। App Store: https://apps.apple.com/app/id6826743591
- [Fruity Village: Fruit Match 3](https://duetrackstudio.com/fruity-village/): A bright, relaxing match-3 adventure through ten colourful chapters. App Store: https://apps.apple.com/app/id6817374597

## Guides

- [The complete guide to budgeting: everything in one place](https://duetrackstudio.com/guides/complete-guide-to-budgeting/): Budgeting is deciding in advance where your money will go, then tracking whether it went there. The basic loop is always the same: know your take-home pay, cover bills, save first, give the rest a spe
- [How to make a budget that actually works (step by step)](https://duetrackstudio.com/guides/how-to-make-a-budget/): To make a budget: add up what you will actually be paid this month, list the bills you cannot avoid, set aside savings first, then split what is left across a few spending categories. Track every purc
- [How to track your expenses (daily and monthly) without it becoming a chore](https://duetrackstudio.com/guides/how-to-track-expenses/): The simplest way to track expenses is to record each purchase within minutes, in a category, in one place you always have with you — usually your phone. Review totals by category once a week. The meth
- [Free monthly budget template (printable and CSV)](https://duetrackstudio.com/guides/free-budget-template/): A good monthly budget template has four parts: income, fixed bills, savings, and flexible spending by category. Fill in the planned amounts at the start of the month, write the actual amounts as you g
- [What is zero-based budgeting, and how do you do it?](https://duetrackstudio.com/guides/zero-based-budgeting/): Zero-based budgeting means planning every unit of your income until income minus everything you assign equals zero. Bills, savings, debt payments and spending categories each get an amount, so no mone
- [The 50/30/20 budget rule explained (with examples)](https://duetrackstudio.com/guides/50-30-20-rule/): The 50/30/20 rule splits take-home pay into 50% for needs (housing, utilities, groceries, minimum debt payments), 30% for wants (eating out, hobbies, travel) and 20% for savings and extra debt repayme
- [How envelope budgeting works (and how to do it without cash)](https://duetrackstudio.com/guides/envelope-budgeting/): Envelope budgeting gives each spending category its own fixed amount for the period — originally cash in labelled envelopes. When an envelope is empty, spending in that category stops until next perio
- [How to create a family budget (and keep everyone on board)](https://duetrackstudio.com/guides/family-budget/): To create a family budget, total the household's combined take-home pay, list shared fixed bills, set a family savings goal, then give each person or area a spending category — groceries, kids, transp
- [Budget apps that don't connect to your bank: why, and how to choose](https://duetrackstudio.com/guides/budget-app-without-bank-login/): A budget app that does not connect to your bank keeps your banking login and full transaction history away from third parties. You enter purchases yourself, which takes a few seconds each and makes yo
- [What to look for in a free budget app with no ads](https://duetrackstudio.com/guides/best-free-budget-app-no-ads/): A good free budget app lets you track unlimited transactions and bills, set at least one budget, and sync your data — without ads or selling your data. Paid tiers are fair for extras such as unlimited
- [How to budget when you're paid every two weeks](https://duetrackstudio.com/guides/budget-biweekly-paycheck/): If you are paid every two weeks, budget per paycheck rather than per month. Decide which bills each paycheck covers, set aside savings from each one, and split the rest over the 14 days until the next
- [How to save money each month: practical ways that last](https://duetrackstudio.com/guides/how-to-save-money/): The most reliable way to save money is to move savings out of your account on payday, before you spend, and then track spending so you notice where money leaks. After that, the biggest wins are usuall
- [How to find and track all your subscriptions](https://duetrackstudio.com/guides/track-subscriptions/): To find all your subscriptions, check your App Store subscriptions (Settings → your name → Subscriptions), your bank and card statements for the last three months, and PayPal or other payment accounts
- [How much can I spend today? Working out a daily spending limit](https://duetrackstudio.com/guides/how-much-can-i-spend-today/): Your safe-to-spend amount for today is: money available until next payday, minus bills still due before then, minus the savings you plan to keep, divided by the days left until payday. Recalculate it 
- [How to keep track of money you lent (or borrowed) from friends](https://duetrackstudio.com/guides/track-money-you-lent/): Record every personal loan the moment it happens: who, how much, the date, and when it should be paid back. Log partial repayments as they arrive so the balance stays accurate. A shared, written recor
- [How to budget for a trip (and track spending in foreign currency)](https://duetrackstudio.com/guides/travel-budget/): To budget for a trip, add up fixed costs (flights, accommodation, insurance), set a daily amount for food, transport and activities, multiply by the number of days, and add 10–15% for surprises. While
- [Debt snowball vs. debt avalanche: which pays off debt faster?](https://duetrackstudio.com/guides/debt-snowball-vs-avalanche/): The debt avalanche pays extra towards the debt with the highest interest rate first, which saves the most interest. The debt snowball pays the smallest balance first, which gives quicker wins and keep
- [How to get out of debt: a realistic step-by-step plan](https://duetrackstudio.com/guides/how-to-get-out-of-debt/): To get out of debt: list every debt with balance, rate and minimum payment; stop adding new debt; build a small emergency fund so surprises don't go on a card; pay minimums on everything and put every
- [How to pay off credit card debt faster](https://duetrackstudio.com/guides/credit-card-payoff-plan/): To pay off a credit card faster, pay more than the minimum every month, stop using the card while you pay it down, and target the highest-rate card first. Minimum payments are designed to keep you pay

## Details

- [Full details of every app](https://duetrackstudio.com/llms-full.txt)
- Support: support@duetrack.bd