Your plan is encrypted before it leaves this browser. Sign in to sync it privately across devices.
LOCAL DEVELOPMENTLocked
PRIVATE BY DESIGN
Sign in to your dashboard
Sign in with your existing owner account. New accounts cannot be created from this page.
Magic link sent. Open it on this device to continue.
Another session saved a different plan
Your edits are encrypted on this device. Cloud data has not been replaced. Save an encrypted copy of these edits and reopen the cloud plan to compare them.
Transaction history
No transactions imported
Encrypted transaction records matching the current filters
Date
Description
Category
Amount
Page 1
CSV import and last receipt
Import a bank CSV
CSV files are parsed on this device, encrypted, and then the raw file is discarded.
Step 1 of 4
Choose a bank export
Use a nickname only—do not enter an account number.
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
Spending trends and more detail
Monthly cash flow
Recorded income, living costs after refunds, and cash flow after debt payments. Transfers between your own accounts are excluded.
Spending patterns
Categories include refunds. Merchant totals show gross purchases before refunds across your recorded history.
Categories
Merchants
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
Latest recorded month compared with your monthly budget. Estimates are budgeting aids, not account balances.
Encrypted backup
Save a separate encrypted copy of your plan and transactions. You need the encryption passphrase used when the backup was made to open it. Your account password cannot unlock it.
Practise recovery without replacing your data
Download an encrypted backup and keep it separately from this browser.
Choose “Check or restore a backup” and select that file.
Enter the encryption passphrase used for that backup, then choose “Validate without changing data.”
Check the dates and transaction count. Close the check to keep your current data.
A successful check proves the file can be opened here. To rehearse full recovery, restore it in a separate test browser profile. Keep your passphrase in a password manager; a lost passphrase cannot be recovered.
Import history
Review files you imported and the entries they added. Removing an import also removes its transactions.
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.
Planning estimate only. Check your lender’s overpayment rules and early-repayment charges. Never enter bank credentials or account numbers.