A complete personal finance dashboard that runs in your browser. No subscription. No bank login. No account. Pay once, and use it for as many years as you like.
Get instant access — $37 One-time payment · Instant download · 60-day money-back guaranteeSample data shown. Your dashboard starts empty.
None of them made it past February. Here's what usually goes wrong.
Twelve dollars a month to look at your own money. Over five years that is more than most people keep in their emergency fund to begin with.
Handing your banking credentials to a third party so an algorithm can guess your categories, then quietly mislabel half of them anyway.
It tells you what you did wrong and never tells you when you did well. So you stop opening it, and three weeks later you're guessing again.
Every amount you log moves a bar, fills a ring, or checks off a week. The serious math is underneath. The small win is what keeps you coming back.
One payment. No renewal, no upsell, no "your plan is expiring" email in eleven months. Use it this year, next year, and the year after that.
Your numbers never leave your device. There is no account to create, no server to store them on, and no bank connection to authorize. We could not see your data if we wanted to.
Enter your categories and monthly amounts once. After that, logging a transaction takes about six seconds and everything else updates on its own.
It runs in any modern browser on your phone, tablet or computer. Add it to your home screen and it behaves like an app. Once it's open, it doesn't need the internet at all.
You get the dashboard file and a step-by-step setup guide, immediately after checkout. Nothing to install.
Set your currency, list the five to fifteen categories you actually use, and give each one a monthly amount. Guessing is fine. You'll adjust after the first month, and that's normal.
Two minutes a day, or ten minutes on a Sunday. Your budget, charts, challenges, debt plan and net worth all update from that one list.
Enter a number once. It shows up everywhere it should.
Income, expenses, savings rate and net worth on one screen, with your spending broken down by category and charted month by month.
One clean register for the whole year. Filter any month instantly, and export everything to CSV whenever you want it elsewhere.
Budgeted, actual and remaining side by side for every category. Bars fill as you spend and turn red the moment you go over.
The 52 week challenge in three modes, the 100 envelope challenge, a no-spend day tracker, and custom challenges you name yourself.
A progress ring for every goal, plus the exact amount you need to set aside each month to reach it by your chosen date.
Snowball or avalanche, switched with one click. See your projected debt-free date and a full month-by-month payoff schedule.
Assets, liabilities and the one number that summarizes everything, with a snapshot you can save each month to watch the line climb.
One click saves a backup file with everything in it. Load it on any device and your full history comes straight back.
Any currency symbol, any budget year, and two color palettes you can switch between whenever the mood changes.
| Ultimate Finance | Typical budgeting app | |
|---|---|---|
| Cost | One payment | Monthly, forever |
| Bank credentials | Never requested | Usually required |
| Where your data lives | On your device | On their servers |
| Account required | No | Yes |
| Works without internet | Yes | Rarely |
| Savings challenges | Built in | Almost never |
| You own your backup file | Yes | Export, if offered |
No subscription. No renewal. No upsell required to use it.
Try it for a full two months. If it isn't for you, request a refund within 60 days of purchase and you'll get your money back. No explanation required.
A digital download containing the dashboard as a single HTML file, plus a nine-page setup guide in PDF. You open the dashboard in your normal web browser. There is nothing to install and no account to create.
No. If you can use a website, you can use this. Every calculation happens on its own, and the setup guide walks through each screen in plain language.
No. It is a one-time purchase. There is no recurring charge, no renewal, and no plan to expire.
No, and that is deliberate. You are never asked for banking credentials. You enter transactions yourself, which takes a few seconds and means no third party ever touches your accounts.
On your own device, inside your browser. Nothing is uploaded anywhere and no data is collected by us. That is also why the backup system matters: it lets you save a copy of your data as a file, move it between devices, and restore it whenever you need to.
Yes. It's fully responsive, and you can add it to your home screen so it opens like an app. Because each browser keeps its own copy of your data, use the backup file to move between your phone and your computer.
It isn't a spreadsheet. It's a self-contained web application, which is what makes the progress rings, challenge grids and payoff projections work the way they do. You can still export your transactions to CSV and open those in any spreadsheet program.
Yes, within your household. Send them the backup file and they can restore it on their own device. The license covers personal use by you, the purchaser.
Request a refund within 60 days of purchase and you'll get your money back in full. You can also write to us first — if something isn't working, we'd rather fix it.
Email support@yourdomain.com and tell us which device and browser you're using. We answer every message, usually within one business day.
There's no good month to start keeping track of your money. There's only the one you're in. Fifteen minutes from now, you could know exactly where yours is going.
Get instant access — $37 One-time payment · 60-day money-back guarantee