PRIVATE BY DESIGN
Sign in to your dashboard
Sign in with your existing owner account. New accounts cannot be created from this page.
Monthly breathing room£0Complete your plan below
Starter safety fund0%£0 of £1,000
Forecast debt-free—Add your loan details
Your monthly plan
Use take-home amounts. Changes encrypt and save automatically.
Starter safety fund£0 / £1,000
Your first target is the greater of £1,000 or one month of essential costs.
Debt payoff forecast
Balance over time with your planned overpayment.
Enter a balance, APR and affordable payment to see the forecast.
Planned payment: £0/monthEst. interest: £0
Import Centre
CSV files are parsed on this device, encrypted, and then the raw file is discarded.
Match your columns
Required fields are marked. Choose either one signed amount column or both debit and credit.
Check before encrypting
First eight valid new transactions| Date | Description | Amount |
|---|
Import complete
Monthly cash flow
Income, spending, net position and change from the previous imported month.
Spending patterns
Largest categories and merchants in the current encrypted dataset.
Unusual spending
Local indicators compare the latest month with up to three earlier imported months.
Category review
Assign uncategorised spending in bulk. Optional exact-merchant rules apply locally to future imports.
Categories and rules
Names, roles and matching rules are stored only inside your encrypted data.
Merchant rules
Recurring suggestions
Similar monthly payments within a 5% amount tolerance. Confirmations are labels, not payment instructions.
Plan comparison
Current imported month compared with your manual monthly plan. Estimates are budgeting aids.
Encrypted backup
Export ciphertext only. Restore validates the container, passphrase, manifest and every transaction chunk before showing a dry-run summary.
Import history
Remove any encrypted import batch. Its unreferenced chunks are cleaned safely after the manifest changes.
Device and session guidance
This browser holds an encrypted offline copy. The passphrase-derived key and decrypted data exist only while unlocked.
Privacy controls
Choose when inactivity locks and clears decrypted figures, transaction text, import buffers, and the encryption key from app memory.
Checking encrypted storage…
Permanent deletion
Delete this owner’s encrypted cloud rows and this browser’s encrypted cache. This cannot be undone without a separate backup.