Digital Budget Tracker | Post-Divorce Financial Management Web App | Customize Savings Goals | No Excel Download

Starting over financially is hard enough without fighting a spreadsheet too.

Post-divorce budgeting is its own category. One income where there were two. New bills. New baseline. A household that looks nothing like it did a year ago. You're not bad with money — you're just working with a completely different set of numbers now.

Spreadsheets feel like homework you don't have energy for. Apps demand subscriptions on a budget that just got tighter. Most tools assume a two-income household and never quite fit your new reality.

There's a calmer way.

Your Post-Divorce Budget Tracker is a complete personal finance tracker built as a single web app. No spreadsheets. No subscriptions. No accounts. No data sent anywhere. Open it, use it, own it.

HOW YOU'LL USE IT
After purchase you get two ways to access — pick what fits:

HOSTED VERSION (easiest for most)
Open the web app link included in your download. Bookmark it. On iPhone tap Share then Add to Home Screen. On Android tap Install App. Works on every device. Your data stays private — nothing is uploaded.

LOCAL FILE (fully offline)
On a computer, double-click the HTML file. Opens in your browser, no internet needed. Perfect for travel or weak signal days.
Same app, both ways. Switch anytime. Use the built-in Save button to move data between devices.

WHAT IT DOES
✓ Dashboard — your full money picture at a glance
✓ Transactions — log expenses and income in 10 seconds
✓ Calendar — visual reminder of every recurring bill
✓ Budgets — monthly targets with pace tracking
✓ Sinking Funds — save for emergency fund, car repairs, fresh start goals
✓ Debt Tracker — payoff timeline, Avalanche vs Snowball
✓ Net Worth — assets minus liabilities, 6-month trend
✓ 50/30/20 Rule — Needs, Wants, Savings dashboard
✓ Investment Forecast — compound interest projector
✓ No-Spend Challenge — track clean days, build streaks
✓ Categories — fully customizable to your new life

WHAT MAKES IT DIFFERENT
✓ NO SUBSCRIPTION — buy once, yours forever
✓ NO INTERNET REQUIRED — works fully offline
✓ NO ACCOUNT — your data never leaves your device
✓ NO BANK CONNECTION — 100% private by design
✓ ANY DEVICE — phone, tablet, laptop, desktop

WHAT'S INCLUDED

Your Post-Divorce Budget Tracker.html — the app itself
Read Me First and Quick Start.pdf — up and running in 2 minutes
Tutorial.pdf — full walkthrough of every feature

HOW IT WORKS
Download a ZIP after purchase. Unzip. Done. Your data lives in your browser. Use the Save button to download backups anytime. Comes pre-loaded with example data so you can see it working before you add your own.

WHO IT'S FOR
Anyone rebuilding their finances after divorce. People starting fresh on a single income for the first time in years. Anyone who needs to see their new financial reality clearly without the overwhelm of a complicated system. Privacy-conscious people who want their financial data to stay completely private.

SPECS

Works in: Chrome, Edge, Firefox, Safari
Works on: Windows, Mac, iOS, Android
Internet: not required after download
File size: under 300KB
Format: single HTML file

SUPPORT
Email chattlbm [!at] gmail.com with subject line Your Post-Divorce Budget Tracker Help and we'll get back to you within 48 hours. Or contact us directly at Mercer Family Studio on Etsy.

LICENSE
Personal use only. Not for resale or redistribution. Backup copies for your own use are fine.
Built by Mercer Family Studio. Calm tools for chaotic life.