Track your money for free.
Track spending, budgets, net worth, and life changes — entirely on your device. Sign in only if you want encrypted sync across all your devices.
Why it's free.
I tracked my own money with Python and Google Sheets for years. No existing tool could show me how a mortgage or a new baby would actually change my finances. So I built one that does, and put it online.
No ads · No subscription · No selling your data
Open source on GitHub ↗. If I ever shut it down, your data stays on your device and the code stays public.
Get started in two steps.
Download your CSV
Under Statements or Download Activity in your bank, credit union, or credit card portal. Export guides for major banks →
Drop it in
Your browser reads the file locally and sends nothing anywhere unless you sync. Transactions categorize automatically, and most land correctly on the first import.
Sync across devices
Everything already works without an account. Sign in only if you want it, then set a separate sync passphrase to encrypt everything before it syncs — more in Privacy below.
What's inside.
Four-layer auto-categorization
Works offline. Installs as an app.
Install it on any device — add to your home screen on Android or iPhone, or install from the address bar in Chrome on your computer. It runs in its own window like a regular app, no tabs or toolbar in the way. Works without internet too; your data lives on your device. Try it: load the demo, turn off Wi-Fi, keep using it.
Full picture net worth
Checking, savings, investments, loans, real estate, and vehicles in one place. Save monthly snapshots and watch your trajectory toward a goal.
Budgets that learn your patterns
Set monthly limits and see them alongside your 12-month average and year-to-date pace in one view. AT RISK warnings surface before you go over, Unusual sort flags categories spiking compared to your own history, and a budget that's run over for 3 months straight gets flagged so it doesn't sit there stale.
See a big decision before you make it
The Life Changes tab takes your real spending history and previews a hypothetical — rent becoming a mortgage, a car payment, childcare starting — against your real income. Nothing changes until you decide it should.
Also includes
Several ways to see your spending
Bar charts, trend, heatmap, flow, and split views. Click any category to filter across all.
Export your data anytime
CSV or full JSON backup — every tab in one file. Import it back anytime to restore everything.
Recurring charge detection
Surfaces subscriptions automatically — including that trial you forgot to cancel. Also flags possible duplicate charges.
Freelancer-friendly
Tag transactions as business or personal to separate your spending totals by context.
Where does your data actually go?
Keep your login to yourself
No bank logins, no screen scraping — nothing to share with anyone. You import a CSV — the same file your bank or credit union already gives you.
Runs entirely in your browser
Everything saves in this browser — no account, nothing uploaded. Close the tab and come back later; it's all here, and nobody else ever had a copy.
Works with your bank or credit union's CSV
Chase, Ally, Fidelity, Vanguard, Navy Federal Credit Union, BECU, PenFed, TD, Scotiabank, BMO, CIBC, and most banks and credit unions. Look for a Download or Export button in your transaction history, then drop the file in — the app auto-detects the format.
Migrating from Mint, YNAB, or Monarch Money? Drop in your export and your categories map across automatically.
Optional sync — you hold the key
Your data stays on this device by default — no account required. Want it on your phone and your laptop too? Sign in with Google or a passwordless email link, then set a sync passphrase — separate from your sign-in — to encrypt everything before it syncs. Forget that passphrase and your synced data is gone for good; nobody can recover it, not even me.