Free Tool

Zero-Based Budgeting, Without the Subscription.

A privacy-first personal budget tool. Track accounts and transactions, assign money to categories, and stay in control — all offline in your browser.

Open Personal Budget See Features
Personal Budget tool showing Ready to Assign and category-based budget grid

Built for Privacy-Conscious Budgeters

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Give Every Dollar a Job

Assign only money you actually have. Ready to Assign keeps you honest and in control.

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Envelope Categories

Categories act like envelopes: Assigned, Activity, Available — with clear overspending states.

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Roll With the Punches

Move money between categories to cover overspending and keep your budget balanced.

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Reports That Explain Your Spending

See budget health at a glance: cash, debt, net worth, and runway (Days of Buffering).

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No Bank Login Required

Manual entry and imports keep you in charge. Your data stays on your device.

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Export / Backup

Export your data for backup and portability. Keep your budget sovereign.

Personal Budget Features

Budget Grid (Assigned / Activity / Available)

A clean, spreadsheet-like budget view with quick editing, goal indicators, and clear overspending states — designed for fast daily use.

  • Inline editing for Assigned amounts
  • Goal indicators and progress bars
  • Overspending highlights and quick fix workflows
  • Month switching for rollover budgeting
Budget grid showing categories, assigned amounts, and available balances

Accounts + Transaction Register

Track checking/cash/credit accounts and log transactions to keep Activity and balances accurate, without connecting your bank.

  • Manual transaction entry
  • Transfers between accounts
  • Cleared status for reconciliation workflows
  • Category assignment for spending analysis
Accounts view showing account list and recent transactions

Budget Health Dashboard

Understand your situation quickly with Ready to Assign, net worth, debt, overspent categories, and runway.

  • Ready to Assign summary
  • Net worth and total debt
  • Days of Buffering (runway metric)
  • Goal funding overview
Reports dashboard with ready to assign, net worth, and runway

Common Questions

Yes. It follows a zero-based budgeting workflow: you assign only the money you currently have into categories, then adjust as real life changes. It’s built to be privacy-first and subscription-free.
Your budget data is stored locally in your browser (IndexedDB). You can export your data for backups and portability.
Yes. Once loaded, the app runs fully in your browser and can be used offline for day-to-day budgeting.
Use Move Money to shift funds between categories, or reduce an over-funded category’s Assigned amount to bring Ready to Assign back to zero.

Ready to Take Control of Your Budget?

Free to use. No signup required. Privacy-first by default.

Launch Personal Budget