Stop guessing where your money went
See your budget, debt payoff plan, and net worth in one place. No account, no subscription - just a file that runs in your browser, your data never leaves it.
Stop guessing what to do next
The Action Center ranks the month's top 3 things by priority - a category running over budget, an extra payment that clears a debt months sooner, or just confirmation you're on pace. No badges, no streaks - just a clear next step.
- Automatic prioritization
- Interprets the numbers, doesn't just display them
See your real debt-free date, with real math
Automatic Snowball or Avalanche payoff order, a real APR-based debt-free date estimate, and credit-limit utilization tracking - all calculated automatically. No manual tracking, no guessing.
- Real compound-interest APR math
- Multiple debts, ranked automatically
Know what actually happened, in plain language
The Monthly Review explains what happened that month - did spending stay on plan, did debt go down, did goals move forward. No competitor product does this - it doesn't just show a number, it tells you what it means.
- "If you only do one thing" recommendation
- A concrete target for next month
Goals & Categories
Savings goals and per-category budget limits, auto-sorted into over/watch/safe.
12 Currencies
Instant switching between USD, EUR, GBP, TRY, and 8 more.
Dark Mode
Easy-on-the-eyes dark theme, one click to toggle.
JSON Backup
Export your entire dataset as one file, import it on any device.
How It Works
Download & Open
One HTML file, opens directly in your browser.
Add Your Accounts
Bank/credit card accounts and categories.
Log Transactions
Each entry updates the right account automatically.
Follow the Dashboard
It refreshes itself with every entry.
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.