Budget App with 3D Charts, Monthly Budget Planner, Debt Payoff and Savings Goals, Offline Web App

Cashcube Budget by Templates by Julian: a budget app with a 3D-style look that opens from a link on your phone, tablet or computer. Plan your month, watch where the money goes in 3D donut, column and gauge charts, and see what is left to spend today. It is a real web app, not a spreadsheet or a PDF, and your numbers stay on your device.

Perfect for individuals, couples, families, students, freelancers and anyone who wants to pay off debt, save for a trip, a first apartment or an emergency fund, or simply stop guessing where the paycheck went. Couples and families get a simple household budget, and a couple budget app that works through backup files. If you are tired of a monthly budget spreadsheet, this monthly budget app gives you the same control in a calmer, more visual way.

What is inside:
- Home dashboard: a safe to spend number, Left to spend, with about how much you can spend a day, income, spent and saved tiles, a budget gauge, a 3D donut of where your money goes, a spending pace chart, income versus spending columns, upcoming bills, savings goals and net worth, plus a coin button to add spending fast.
- Budget planner app: starter categories with emoji in Needs and Wants, a planned amount for each month that repeats by itself, a one-tap 50/30/20, 60/30/10 or 70/20/10 split of your income, and optional carry-over of unspent money.
- Expense tracker app: add an expense, income or saving in a few taps, search and filter by category, account or person, and see everything grouped by day.
- Bills and recurring income: set bills to repeat every week, month or year, mark them paid with one tap, see a bill calendar heat map of due days, and add them all to your phone calendar with an .ics file.
- Debt payoff planner: a debt snowball or avalanche tool. Enter balances, interest rates and minimum payments, pick the snowball or avalanche method with an extra monthly payment, and compare the debt-free date, interest and balance over time.
- Savings goals: a savings goal tracker with a target, a date and a 3D coin stack that grows with every deposit, with a monthly amount to reach it on time and a small celebration at each milestone.
- Net worth tracker: bank, cash, card, savings, investment and loan accounts, net worth over time and owned versus owed columns.
- Insights: savings rate, a projection for the end of the month, a waterfall from income to what is left, a daily spending heat map, weekday averages, category trends and a printable month report.
- Import and export: bring in your bank's CSV file (you map the columns, duplicates are skipped) and export your data as CSV whenever you like.

The 3D look and the charts are the heart of it: raised cards and buttons that press down when you tap, a spinning gold coin, a 3D donut, isometric columns, a semicircle gauge, a waterfall, heat-map tiles and coin stacks. All of them are drawn inside the app, and there is a switch to turn the 3D motion and sounds off.

Private by design: there is no account, no login and no server, and no tracking. Your budget lives only in the browser on your device. The app is never connected to your bank; to add transactions you type them in or import your bank's CSV file.

Budgeting together, honestly: this is one private copy per device. There is no live sync and no shared login. To budget as a couple or family, tag who paid, save a backup file and merge the other person's backup into yours (the newest edit wins and nothing is deleted). The app reminds you to back up after 7 days. Chimes and reminders work while the app is open; bill reminders on your phone come from the calendar file.

As an offline budget app and budget web app, it works on iPhone, iPad, Android, Mac, Windows and Chromebook in the browser. Add it to your home screen and it opens like an app, no App Store needed. After the first visit it works offline. It is free to open, with no subscription and nothing to renew: you pay once.

Make it yours with 12 currency symbols, a month start day for payday months, 6 colour themes, dark or light mode and 5 languages: English, Spanish, French, German and Italian.

Included downloads (2 PDF files):
- Cashcube_Budget_Access.pdf: one page with your app link and a QR code.
- Cashcube_Budget_User_Guide.pdf: an 18-page guide with pictures, from installing on each device to budgets, bills, debt payoff, savings goals, net worth, insights, importing a CSV and backup.
The budget app itself is a web app you open from the link in the Access PDF; there is no app file to download.

How it works:
1. Download the two PDFs right after purchase.
2. Open the Access PDF and tap the link, or scan the QR code with your phone.
3. Add it to your home screen.
4. Set your income and categories, then add your first expense.

Good to know: this is a digital product; nothing is shipped. Cashcube Budget is a planning and tracking tool, not financial advice. For personal use only, please do not share or resell the link. Questions? Send us a message, we are happy to help.