Core Financial Planning Tools
- Multi-Income Budgeting: Add and track hourly, salary, gig work, rental, and passive income sources with automated period conversions (weekly, fortnightly, monthly, annually).
- Granular Expense Tracking: Organize expenses into essential living costs, discretionary spending, sinking funds, housing, utilities, insurance, food, and transport.
- Debt Payoff Calculator: Calculate your exact debt-free date using Debt Snowball or Debt Avalanche payoff models with APR interest accumulation.
- Time to Thrive Runway Metric: Measure your true financial independence runway by calculating how many months your savings will sustain you without new income.
- One-Click Excel (.xlsx) Export: Download comprehensive spreadsheets of your entire financial plan with full formula breakdowns for offline archival.
Frequently Asked Questions (FAQ)
- Is My Budgeting App really 100% free?
- Yes. There are no subscriptions, paywalls, premium tiers, or hidden fees. All budgeting, calculations, and export features are freely available.
- How is my financial privacy protected?
- We use a Local-First architecture. Your financial information is stored solely in your local browser storage (localStorage) on your personal device. Data is never sent to our servers or stored in any cloud database.
- Does this budget tool work offline?
- Yes! Once loaded, the app operates completely offline within your browser without requiring an active internet connection.
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