Private Budget

Know where every dollar goes, privately.

Track bills, cards, loans and spending, see what's due this week, and ask the AI advisor about your own numbers. Everything is saved only in this browser on this device.

step 1 of the 4-step check

Private Budget

🔒 Stored only in this browser. Nothing is sent unless you turn on the AI advisor.

Today —

Main bank now
$0
Second bank now
$0
Spent today
$0

Due today

Next 7 days

Month summary
Income
$0
Bills still to post
$0
Spent this month
$0
Left this month
$0
Income − plans, bills & spending over plan
Total debt (cards & loans)
$0
Minimum payments / mo
$0

Charts & forecast

Income, fixed bills & spending, last 12 months

Where this month's money went (fixed + spending)

Cash forecast, next 6 months

Debt payoff forecast

Forecasts are estimates from your entered data and recent averages, not guarantees.

Log a purchase or payment

Card balances update automatically: spending on a credit card raises the balance, and a card payment lowers it.

Where the money went

By category

Top merchants

Monthly budgets

Transactions —

Add a card, loan, or account

Only nicknames and balances are stored. Never enter full card numbers, PINs, or passwords.

Bank payments this month

Minimum payments, loans, car and bills that come out automatically on their due dates. Uses the month picked at the top of Home.

Fixed bills & recurring income

Rent, insurance, subscriptions, paychecks. Everyday spending goes in the log instead.

Automatic payments & pay periods

Paychecks come every 2 weeks. Each bill is paid on its due day from the account you choose, and everyday spending uses your monthly budgets across each pay period.

Payment settings

Paycheck amounts (fill in each one as you get paid)

Bills: pay from, due day, and months they apply (bills without a due day count on the 1st. Rent: set From month to 2026-12, since November's rent is already in your balance.)

Savings

Enter the balance you have now. Starting with the next full month, the app adds each month's surplus to savings and subtracts any deficit. Months with no logged transactions are skipped. Money logged under "Savings / investing" counts as saved.

What-if planner

Test next month and debt payoff scenarios. Nothing here changes your saved data.

403(b) loan (optional)

Recommendations for

General budgeting guidance based on the numbers you entered. Not personalized financial advice.

Finance advisor

Ask anything about your money. With AI on, the advisor reads a summary of the numbers you've entered and answers from them, showing its math. With AI off, it uses built-in calculations that never leave this device.

Tip: ask "Can I afford $X?" with an amount to check a purchase against this month's budget.

Your data

Exports are plain files, with no passphrase. Anyone who has the file can read your data, so keep it private. Importing merges another device's entries into this one, so nothing is overwritten.