מעשר כספים · Maaser Kesafim

Know your numbers.
Starting with maaser.

We're bookkeepers. We've spent years helping business owners run on clarity instead of guesswork — and we believe everyone deserves that, not just businesses. Maaser is where it starts.

Free forever
No credit card
Works on every phone
app.maaser-tracker.com/dashboard
Balance owed
$1,247.50
Accrued all-time
$8,420.00
Donated all-time
$7,172.50
YTD 2026
12% of income
Income
$42,100
Accrued
$4,210
Donated
$2,963
Recent activity
ACH PAYROLL — Acme Inc.
10% → $325.00 maaser
+$3,250.00
Donation — Yeshiva XYZ
Marked as donation
−$500.00
Stripe payout
20% → $368.00 maaser
+$1,840.00
Costco
Dismissed (not income/donation)
−$214.32
The mitzvah, in full

Two halves. Most apps only do one.

The Torah's mitzvah of maaser kesafim is built on both action and accounting. Here's what's actually being asked of us.

Half one

The Giving

Set aside 10% of net income for tzedakah — or 20% (chomesh), the upper level praised by Chazal.

  • Sourced from "Aser te'aser" (Devarim 14:22) — codified in Yoreh Deah 249.
  • Becomes a binding neder once practiced consistently.
  • Given to the poor, talmidei chachamim, mosdos haTorah, and other approved recipients.
The forgotten half
Half two

The Cheshbon

Keep a pinkas maaser — a real ledger of income earned and donations given — so you actually know what you owe.

  • The Chofetz Chaim writes (Ahavas Chesed 2:18) that without a written reckoning, the mitzvah cannot be properly fulfilled.
  • Without tracking, you either under-give or pull from the wrong bucket entirely.
  • Chazal darshen "aser bishvil shetisasher" — tithe so that you become wealthy. The act of counting is what brings the bracha.
"
A person is required to keep a written record of all his earnings and all the maaser he has given. Otherwise, how can he know whether he has fulfilled his obligation, or whether he still owes?
Chofetz Chaim, Ahavas Chesed, paraphrased
How it works

Three steps. The whole month, in 5 minutes.

A bank-feed inbox you tap through once a month. That's the whole workflow.

1

Import your bank

Download a CSV from any bank — Chase, Amex, Citi, Capital One, your shul-loan account, anything. Drop it in. The app auto-detects date, amount, and memo columns.

2

One-tap classify

Each pending row shows direct buttons. Income → Count toward maaser (default 10%, custom % available). Expense → Mark as donation, or dismiss. That's it.

3

Always know your balance

The dashboard's hero card shows what you owe — right now, today. Plus YTD totals, all-time totals, and a coverage report so you never miss a window.

Features

Built for the way you actually live

Designed by bookkeepers who do this every day for businesses. We brought the same discipline to maaser.

Bank-feed inbox

A pending list of every transaction. One tap classifies a row as income (default % or custom), donation, not-income, or dismissed. Confirmed rows can be sent back any time.

Multi-account

Track Chase, Amex, business + personal — separate import histories, unified maaser math. Per-account 'last imported through' prompts so nothing falls through.

Starting balance

Already been giving for years? Seed the app with one historical adjustment. Counts toward all-time totals, excluded from YTD reports.

YTD vs. all-time

Hero card shows current balance owed. YTD section shows this calendar year. Both stay correct even with starting-balance adjustments in the mix.

Real installable PWA

Install to your iPhone or Android home screen — looks and feels native. Works offline. Three home-screen shortcuts: Bank Feed, Import, Dashboard.

Multi-device sync

Sign in on phone, tablet, and laptop — same balance everywhere, instant. 30-day sessions, opaque tokens, PBKDF2 password hashing.

Why tracking matters

The cheshbon is the mitzvah.

Without a real ledger, you don't know what you owe — and the poskim don't let you off the hook for guessing.

Chofetz Chaim, Ahavas Chesed 2:18

Mandates a written pinkas of income and donations as a condition for fulfilling maaser kesafim properly.

Chayei Adam (Klal 144)

Stresses calculating maaser explicitly — by season or by year — so the obligation is clear and bounded, not a feeling.

Shulchan Aruch HaRav (Y.D. 249)

Treats maaser money as kodesh — a separate bucket. Without tracking, the buckets blur and money meant for tzedakah ends up spent on personal needs.

Without a cheshbon
  • You under-give without knowing it. Most people remember the big donations and forget half the small ones — net result: less than 10% actually goes out.
  • You pull from the wrong bucket. Tuition, simcha gifts, mishloach manos — all charged to maaser money that wasn't actually yours to spend that way.
  • You can't year-end reconcile. Tax time arrives, your accountant asks "how much did you give?", and you guess.
With Maaser Tracker

Every dollar in is counted. Every dollar out is matched. The balance owed is the balance owed — no guessing, no anxiety, no end-of-year scramble.

BizzAssist

BizzAssist is a bookkeeping firm. Day in and day out, we sit with business owners and turn shoeboxes of receipts into clean numbers — so they can stop guessing and start running their business with clarity.

We saw the same pattern with maaser: people who care deeply about giving — but no real cheshbon. So we built the same discipline we bring to our clients, and made it free.

Need bookkeeping for your business? Visit bizzassist.com
Why we built this

Everyone deserves to know their numbers.

Maaser Tracker isn't a software product we're trying to sell you. It's a tool we built because we kept seeing the same gap.

  • Built by people who do bookkeeping for a living. Not engineers guessing at workflow — actual bookkeepers who know what a clean ledger feels like.
  • Free, because it's the right thing. Our business is bookkeeping for businesses. This is for everybody else.
  • No upsell hidden in the app. No ads, no “upgrade to Pro,” no data resold to third parties. Use it as long as you want.

Your data is yours

Encrypted in transit and at rest. Never sold. Export or delete anytime.

No bank credentials

You upload CSVs — we never ask for your online-banking password.

No data sharing, ever

We never sell, share, or look at your financial data. It's yours — see our Terms for the legal version.

FAQ

Halacha + product, in plain English

The answers most people ask before signing up.

The standard is 10% (maaser) of net income. 20% (chomesh) is the preferred middah for those who can — the Gemara (Kesubos 50a) calls it "the upper limit" praised by Chazal. Maaser Tracker lets you set your default rate when you sign up, and override per-transaction (e.g., 20% on a specific bonus).

Start your maaser ledger in 60 seconds.

Sign up, upload one CSV, and have a real-time balance by the end of your coffee.

Free forever · No credit card · Multi-device sync · Built with kavod for the mitzvah.