A family budget nobody else can read.
Household money is intimate data. It shouldn't sit on a server run by a company that also sells ads.
Modern family finance apps want your bank credentials, your spouse's bank credentials, and permission to keep both forever. This one wants none of that. You type what came in, you type what went out, and the file — sitting on your own laptop — does the arithmetic. That is the entire trick.
Why families end up wanting this
The moment two people share a budget, the surveillance stakes double: two salaries, two spending patterns, two sets of habits, all pooled on somebody else's server. An offline household ledger keeps the pooling and drops the surveillance.
What it actually is
One HTML file. Open it in any browser, offline, on the family laptop. Envelopes, rollover, savings goals, a shared ledger, and a splitter for shared expenses. See the honest comparisons at vs YNAB, vs Mint, and vs Monarch Money.
The thirty-day out
Every knife carries a thirty-day, one-e-mail refund. The file stays yours either way — we couldn't reach into your computer to take it back if we wanted to.
What to reach for
Common questions
Can two people edit the same budget?
Yes — put the file in a shared folder (iCloud, Dropbox, a home NAS) or pass it back and forth. The file is portable in the way a photo is portable.
Does it link to our bank?
No — deliberately. Bank-linking is the exact thing that made every other family app a privacy problem.
What if the kids want visibility?
Open the file. That is the whole permissions system. If you want them to have their own, gift-forge a Pocket Knife — no account required.
Is it really just one file?
Really. Back it up the way you back up a wedding photo.