Finance OS
Track your budget, debt payoff plan, and net worth in one place — no account, no subscription, your data never leaves your device.
A Look Inside
Sample data shown — real screenshots from the actual app.
What Can You Do?
Your Budget at a Glance
Truly unclaimed cash this month, real cash flow, and savings rate — all on one Dashboard, no spreadsheet math required.
Debt Payoff Planner
Automatic Snowball or Avalanche payoff order, a real APR-based debt-free date estimate, and credit-limit utilization tracking.
One Real Net Worth Number
Assets and liabilities combine automatically — every debt payment reflects correctly instead of quietly inflating your net worth.
Goals & Categories
Savings goals, per-category budget limits, and automatic over/watch/safe zones so you know where you stand at a glance.
Calm, Honest Guidance
A Monthly Review that answers 'what should I do this month' in plain language — no gamification, no streaks, no guilt.
100% Local, Zero Account
Your data lives only on your device — no internet required, no sign-up, no subscription. One file, runs in your browser, backs up to JSON.
How It Works
Download & Open
One HTML file — opens directly in Chrome, Edge, or Safari, nothing to install.
Add Your Accounts
Enter your bank/credit card accounts, categories, and any existing debts.
Log Transactions
Expense, income, debt payment, or goal contribution — each one updates the right account automatically.
Follow the Dashboard
Dashboard, Budget, Debt, and Reports all refresh themselves the moment you log something new.
Frequently Asked Questions
Do I need an internet connection?
No. Finance OS runs entirely in your browser and stores data in localStorage on your own device. Nothing is ever sent to a server.
Is there a subscription?
No — a one-time purchase, unlimited use. No monthly fee, no renewal.
What if I lose my data?
Export a full JSON backup any time and import it on another device the same way.
How is this different from a Google Sheets or Excel template?
No broken formulas, row-shifting, or spreadsheet setup - a real app interface with automatic calculations and debt/net-worth logic built in.