✦ Personal Finance App · No Subscriptions

Stop wondering where your money went. Start knowing.

Budget Os is a powerful personal finance app that runs directly in your browser. Track income, expenses, debts, bills, and net worth — all in one place, all yours.

💰 Get Budget Os — $9.99 See what's inside ↓
No subscription — ever
Works offline
Data stays on your device
No account needed
Budget Os — Dashboard
Income
$6,400
Expenses
$3,218
Net Balance
$3,182
Savings Rate
49%
Daily Cash Flow
By Category
Recent Transactions
🏠
Rent
Today
-$1,350
💼
Monthly Salary
Yesterday
+$5,200
🍔
Groceries
2 days ago
-$95
Everything you need

Built for real life. Not spreadsheets.

Most finance apps are either too simple or too complex. Budget Os hits the sweet spot — powerful enough to actually manage your money, simple enough that you'll actually use it.

📊
Smart Dashboard
See your full financial picture at a glance. Income, expenses, net balance, and savings rate — updated the moment you add a transaction.
Real-time
🏦
Debt Tracker
Track car loans, credit cards, mortgages, and student loans. See payoff timelines, credit utilization, and exactly how much interest you'll pay.
Amortization schedules
⚖️
Net Worth Tracker
Track your assets vs liabilities over time. Record monthly snapshots and watch your net worth grow as you pay down debt and save more.
Historical charts
📅
Bill Reminders
Add all your bills with due dates. Get a clear view of what's coming up in the next 14 days so you never pay a late fee again.
Due date alerts
🔮
Balance Forecast
Based on your last 6 months of data, Fintrack projects your future balance. Know if you're on track before problems happen.
AI-powered
🖨️
Printable Reports
Generate clean monthly reports with full breakdowns — income, expenses, categories, debt summary. Print or save as PDF in one click.
Export ready
Budget Limits
Set monthly limits per category. Visual progress bars turn red when you're close to the edge — before you go over.
Radar chart
🎯
Savings Goals
Create goals like Emergency Fund or Vacation savings. Track progress with visual ring charts and countdown timers to your target date.
Progress rings
🌐
Multi-Currency
Switch between USD, NZD, AUD, GBP, EUR, JPY and more. Your currency, your way — no conversion, just display preference.
10 currencies

Know exactly when you'll be debt-free.

Most people have no idea when their car loan ends or how much interest they're really paying. Fintrack shows you month-by-month amortization, payoff countdowns, and a snowball vs avalanche planner to get out of debt faster.

🚗
Toyota Camry Loan
ANZ Finance · 6.5% · $485/mo · 38 months left
34% paid
💳
Visa Credit Card
ANZ Bank · 19.99% · Utilization: 32%
32% used
🏠
Home Mortgage
Westpac · 5.85% · $2,650/mo · 8% paid
8% paid
Payoff Planner — Avalanche Method
1
Visa Credit Card
19.99% interest
Aug 2025
2
Toyota Camry
6.5% interest
Jun 2027
💡 Paying highest interest first saves you the most money overall
Simple setup

Ready in 3 minutes

01
💳
Download the file
One HTML file. No install, no account, no app store. Works on Mac, Windows, iPhone, Android — any browser.
02
📝
Add your transactions
Use the quick-add bar to log income and expenses in seconds. Import a backup file if you're switching from another tool.
03
📈
Watch your money grow
Dashboards, trends, debt payoff timelines, and forecasts update instantly. Your data, always private, always on your device.
Simple pricing

One price. Yours forever.

✦ Full Access — No Subscription
Budget Os
$9.99
One-time payment · Lifetime access
Full dashboard with charts & trends
Debt tracker — car, credit card, mortgage, student loan
Amortization schedules + payoff planner
Net worth tracker with snapshot history
Bill & due date reminders
Balance forecast (6 months)
Budget limits with radar chart
Savings goals with progress rings
Multi-currency (10 currencies)
Printable monthly reports
Data stays on your device — 100% private
Works offline, no account needed
Get Budget Os — $9.99 →
Instant download · Works on all devices · No subscription ever
Questions

FAQ

Where is my data stored?+
100% on your device. Nothing is sent to a server.
Will my data disappear if I clear my browser?+
Export a backup JSON file before clearing browser data.
Does it work on iPhone / Android?+
Yes. It works in modern mobile browsers.
Is this a subscription?+
No. One-time purchase.