All-in-One Budget Planner

An all in one budget planner app that opens straight in your browser — paycheck budgeting, a bill calendar, debt payoff, sinking funds and a net worth tracker, together in one place. No spreadsheet to set up, no formulas to break, no subscription, and nothing to install.

Open the file, answer four quick questions, and you're budgeting in about two minutes. One calm number greets you every day — Safe to Spend — what's genuinely left after the bills, savings and debt payments due before your next payday.

What makes this different

• A 45-day forecast that names your tightest day before you get there — "your tightest day is Sep 3, you'll be down to $890" — so a shortfall is something you plan around, not discover.
• Optional cloud sync. Use it entirely on your device with no account at all, or sign in once and have the same figures on your phone, tablet and laptop — safe even if you clear your browser. Most browser-based budget files quietly lose your data on a phone. This one doesn't.
• Years of history, not twelve months. Net worth is tracked year by year, with year-over-year reports showing where your money actually moved.
• Built for a real pay cycle. Weekly, fortnightly, twice a month, monthly — or genuinely awkward ones like "the 15th and the last working day". Freelancers can plan from an average instead of a fixed payday.

What's inside — 14 screens

• Dashboard — Safe-to-Spend, the 45-day cash-flow forecast, what needs attention today, and a recap of the month that just closed
• Transactions — day-grouped feed, search, filters, bulk edit, CSV import from your bank
• Monthly Budget — fixed commitments split from the spending you actually control, with a pace marker on every bar so "over budget" means something on the 8th, not just the 30th
• Paycheck Planner — what's free to spend this pay period, split into bills, debt and savings, plus your running balance after every upcoming payment
• Bills & Calendar — every bill and every payday on one month grid, one tap to mark paid, overdue follows you across months until it's sorted
• Savings & Sinking Funds — goals with target dates and "save $X a month to hit it" coaching; a goal can track a real savings account
• Debt Payoff — your debt-free date, snowball vs avalanche each priced with its own date and interest, and a slider showing what an extra payment really buys you
• No-Spend Challenges — streaks and monthly targets
• Accounts — current, savings, cash and credit cards, with reconciling
• Net Worth — assets minus debts, tracked year by year
• 50/30/20 — needs, wants and savings against your target, on one axis
• Reports — year-over-year, biggest movers, spending insights
• Household — who earns what and who spends what, side by side
• Settings — themes, language, currency, categories, backup and restore

How it works

• Open the PDF you receive and follow its private link to your app
• Open the HTML file — it runs in Chrome, Safari, Edge or Firefox
• Choose where your data lives: this device only, or synced to the cloud
• Answer four setup questions and start

There is nothing to install and nothing to sign up for. It works offline. On a phone or tablet, add it to your home screen and it behaves like a normal app.

Included in your download

• The app — one HTML file, works on any modern browser
• demo-data.json — a full sample household you can load from Settings to explore every feature, then clear in one tap
• A quick-start guide (PDF)

Good to know

• 3 themes — Bloom, Midnight (dark) and Harbor
• English, Español and Français — switch any time
• 45 currencies
• Works on phone, tablet and desktop
• Print-ready pages for anything you want on paper
• Export and import your data as a backup whenever you like
• One-time purchase. No subscription, no ads, no upsells.

This is not

A spreadsheet, a Google Sheets or Excel template, a printable PDF, or an app-store app. It is a real browser application. If you specifically want a spreadsheet, this isn't the right product for you — and I'd rather say so here than have you find out after buying.

This is an instant digital download — no physical item will be shipped. For personal use only; not to be resold, shared or redistributed with or without modification. This product is provided for informational and organisational purposes only and does not constitute financial, tax or legal advice — please consult a licensed professional.