Where is my data stored?

Only in your browser's local storage on your device. Nothing is uploaded or synced. Export a JSON backup to move your data to another browser or computer, then import it there.

JSON backups made by this tool (restore or merge), and CSV files with at least Date and Amount columns — Description, Category, Account, Type and Notes are picked up automatically when present, so most bank exports work.

What does the Excel export include?

A real .xlsx workbook with your transactions plus live SUMIFS formulas for income, expenses, net and per-category spending — edit any row in Excel and the totals recalculate. Type and category columns get dropdown validation.

Can I track multiple accounts?

Yes — checking, savings, credit cards, cash and anything else. Each account has a starting balance, and its current balance updates from the transactions you assign to it.

Can I Change The 50 / 30 / 20 Split?

Yes. Needs, wants and savings or extra-debt percentages are independently editable. The planner flags any total above or below 100% instead of silently changing your numbers.

Finance & Budget Tracker

Track income, expenses, accounts and category budgets, then build a customizable 50 / 30 / 20 plan with Excel, PDF, CSV and JSON export.

All data stays in your browser — nothing is uploaded.

No Transactions Yet

Add your first transaction in the Transactions tab, import a CSV or JSON backup, or load the sample data to explore.

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What Is the Finance & Budget Tracker?

The Finance Tracker is a full personal-finance app that runs entirely in your browser — no account, no upload, nothing leaves your device. Log income and expenses with categories and accounts, set monthly budgets with progress bars, and build a flexible needs / wants / savings plan from tracked or manual take-home income. The default 50 / 30 / 20 split is fully editable and compares its spending allowance with your category budgets. Read your money at a glance on a dashboard with income/expense/net tiles, a 12-month trend chart and a category breakdown. Export your data as a live Excel workbook, a formatted PDF report, CSV, or a JSON backup — and import CSV or JSON right back in.

How It Works

Open the Transactions tab and add entries with date, description, category, account, type and amount — or load the sample data to explore. Filter, search, sort, edit inline, duplicate or bulk-delete. In Budgets, choose tracked or manual monthly take-home income, adjust the default 50 / 30 / 20 split, and set detailed category limits. Manage balances in Accounts, and use Export whenever you want your data as a spreadsheet, report or backup.

When to Use It

Use it to run a monthly budget, track spending habits, reconcile accounts, prepare records at tax time, or replace a paid budgeting app with a private, free one.

Frequently Asked Questions

Where is my data stored?: Only in your browser's local storage on your device. Nothing is uploaded or synced. Export a JSON backup to move your data to another browser or computer, then import it there.
What can I import?: JSON backups made by this tool (restore or merge), and CSV files with at least Date and Amount columns — Description, Category, Account, Type and Notes are picked up automatically when present, so most bank exports work.
What does the Excel export include?: A real .xlsx workbook with your transactions plus live SUMIFS formulas for income, expenses, net and per-category spending — edit any row in Excel and the totals recalculate. Type and category columns get dropdown validation.
Can I track multiple accounts?: Yes — checking, savings, credit cards, cash and anything else. Each account has a starting balance, and its current balance updates from the transactions you assign to it.
Can I Change The 50 / 30 / 20 Split?: Yes. Needs, wants and savings or extra-debt percentages are independently editable. The planner flags any total above or below 100% instead of silently changing your numbers.

Found an issue? Send Feedback. See our data sources and update policy for tools that depend on changing information.