Description
A complete money app for 2027: give every dollar a job, track spending, see your exact debt-free date with snowball or avalanche, and hit your savings goals — no login, no subscription, your data stays on your device.
What’s inside
- Zero-based monthly budget with “left to assign” — 21 ready categories you can rename
- Quick transaction entry; plan vs actual bars for every category
- Debt payoff calculator: snowball or avalanche, extra payments and your debt-free date
- Compare methods and see interest saved vs minimum payments, with a payoff chart
- Payoff order with the month each debt disappears
- Savings goals with the monthly amount needed to reach each one on time
- Year overview: income, spending and savings rate, month by month
- Backup, restore, CSV export and print / save as PDF
How it works
- On your phone: open your private link (in the Start Here PDF) and tap “Add to Home Screen” — it opens like an app.
- On your computer: unzip and double-click the file — it opens in your browser and works fully offline.
- Your data is saved privately on your own device. Built-in backup lets you move it between devices.
- Includes example data so you can see how it works, then clear it with one tap.
Good to know
- This is a digital download — nothing is shipped.
- Works in Chrome, Safari, Edge and Firefox on iPhone, Android, Windows, Mac and Chromebook.
- Personal use license (one household).
- This planner is an organising tool, not financial advice.
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