Private finances · local-first
Household budgeting without an account or bank login
Plan income, expenses, bills, goals and debt. Import your own files locally, save only when you choose and export unrestricted backups.
✓ No bank connection✓ Local import✓ Encrypted backups
Sample month
Income5 200
Expenses3 950
Savings500
Remaining750
Demonstration amounts — the tool does not retrieve bank data.
Full application
Start with a sample project
Work without saving or explicitly keep the project in your browser.
Expenses by category
Forecast balance
Upcoming bills
Highlighted goal
Category and planActualRemaining
| Date | Description | Category | Amount | Account |
|---|
| Status | Bill | Due | Amount | Frequency |
|---|
Goals and sinking funds
| Month | Payment | Interest | Balance |
|---|
The simulation uses only the entered assumptions and may differ from a lender schedule.
Accounts and wallets
Budget vs actual
| Category | Plan | Actual | Difference |
|---|
Import statement
Export and local storage
Persistent storage starts only after choosing save or autosave.
Encrypted backup
The password is not stored. Losing it makes the backup unrecoverable.
Core tools
Household budget planner
Plan income, expenses, savings and bills in one local project.
Monthly budget calculator
Compare a monthly plan with actual income and spending.
Annual budget planner
View twelve months, seasonal expenses and goals in one plan.
Zero-based budget
Assign all planned income to categories, savings and debt.
Envelope budget system
Create digital envelopes with individual limits and balances.
50/30/20 budget calculator
Use an editable percentage split as a starting point.
Weekly budget planner
Break monthly funds into shorter weekly periods.
Irregular income budget
Set priorities for minimum, expected and variable income.
Couples budget planner
Split shared and personal expenses without an online account.
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Why local-first?
No bank connection
You never provide online banking credentials.
Accurate amounts
Calculations use decimal arithmetic and explicit rounding.
Backups under your control
Download a plain or encrypted project file.