Personal Finance Dashboard | Budget Tracker, Debt Payoff, Net Worth & Savings Planner | No Excel, No Google Sheets, No Login | Works Offline

✨ FINALLY — A FINANCE TRACKER THAT ISN'T A SPREADSHEET ✨
No Google Sheets. No Excel. No login. No monthly subscription. Just double-click one file and your private money dashboard opens — and it keeps working even with your Wi-Fi off. Your numbers never leave your computer.
If you've ever bought a budget spreadsheet and quietly given up because it broke a formula, needed a Google account, or felt like homework — this was built for you.

💚 WHY IT'S DIFFERENT
Most finance templates on Etsy are Google Sheets or Excel files. That means you need the right app, an internet connection, an account, and patience. This is a real interactive app in a single file — it runs in any web browser you already have (Chrome, Safari, Edge, Firefox) with zero setup. 100% offline. 100% private.

◆ WHAT'S INSIDE — 10 CONNECTED TABS
⚙ Setup — your currency & accounts in 30 seconds
◆ Dashboard — live cash-flow hero, savings rate & animated charts
⇄ Transactions — log income & expenses; everything else updates itself
▣ Accounts — balances update automatically from your transactions
◷ Monthly Budget — set a limit per category, bars turn coral when you overspend
⎙ Bills & Subscriptions — see exactly how much of your income is already spoken for
★ Savings Goals — targets with progress rings & projected finish dates
⚡ Debt Payoff Planner — compares Snowball vs Avalanche and shows your debt-free date
◇ Net Worth — assets minus liabilities, with month-by-month growth tracking
▦ Reports — spending breakdown & 6-month income vs. expense trends

🌟 SMART, AUTOMATIC, BEAUTIFUL
♥ Enter a transaction once — dashboard, budgets, accounts & reports all recalculate instantly
♥ Real debt-payoff math: see how much interest each strategy saves you
♥ Animated donut & bar charts, progress rings, monthly navigation
♥ Auto-saves on your device — nothing to sync, nothing to lose
♥ Export / Import backup — move your whole dashboard to a new computer in one click
♥ 12 currencies
♥ Works on desktop, laptop, Android tablet & phones

📥 HOW IT WORKS

Buy & instantly download one HTML file
Double-click to open it in any browser
Add your accounts in the Setup tab — done!

No installs. No accounts. No internet required after download.

⚠️ PLEASE NOTE
This application works on Windows, Mac and Android phones and tablets.

This is a DIGITAL DOWNLOAD — no physical item is shipped. It is NOT a Google Sheets or Excel file; it's a standalone app that opens in your browser and works completely offline. Because it's instant-access digital, all sales are final.
Questions? Message me anytime — happy to help you get set up! 💌