Budget & Debt Payoff
All-in-one personal finance tool: track monthly income and expenses with zero-based budgeting and the 50/30/20 rule, import bank statements (Chase, BoA, Wells Fargo, Capital One, Citi, Discover) with auto-categorize, manage bills and due dates, plan sinking funds and savings goals with visual progress, calculate debt payoff with Snowball, Avalanche, or custom order including month-by-month amortization, track net worth over time, and export everything as a multi-sheet .xlsx with live formulas.
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Features
- Monthly Budgeting — Enter income and expenses by category. Track budget-vs-actual variance with color coding. Set planned amounts and see where you stand.
- 50/30/20 Dashboard — Gauge charts show how spending splits into Needs, Wants, and Savings. Customizable category grouping.
- Bank CSV Import — Import from Chase, Bank of America, Wells Fargo, Capital One, Citi, Discover, Amex. Auto-categorize with keyword rules. Duplicate detection prevents double entries.
- Bill Calendar — Track recurring bills with due dates, auto-pay status, and monthly total.
- Debt Payoff Calculator — Snowball (smallest balance first), Avalanche (highest APR first), or Custom order. Monthly compounding (APR/12). Freed payments roll over when debts are paid off. Month-by-month schedule, per-debt interest totals, and balance charts.
- Sinking Funds & Savings Goals — Set targets, monthly contributions, deadlines. Visual progress bars with on-track/behind status.
- Net Worth Tracker — Assets and liabilities with periodic snapshots and history chart.
- Multi-sheet .xlsx Export — Budget, Budget vs Actual, Bills, Sinking Funds, Debts, Payoff Schedule, Net Worth sheets with live SUM/IF formulas.
- Privacy First — Data stays in your browser. Nothing uploaded. Encrypted backup available.
FAQ
What budgeting methods does this tool support?
Zero-based budgeting (every dollar assigned), the 50/30/20 rule (needs/wants/savings), and budget-vs-actual variance tracking with color-coded alerts for overspending.
How does debt snowball vs avalanche work?
Enter debts with balances, APR, and minimum payments plus any extra monthly payment. Snowball pays off smallest balance first for quick wins. Avalanche targets highest APR first to save the most interest. Both use monthly compounding (APR/12), roll over freed payments when debts are paid off, and display a complete month-by-month payoff schedule.
Which bank CSV formats are supported?
Chase (checking and credit card), Bank of America, Wells Fargo, Capital One, Citi (split debit/credit), Discover (positive sign), American Express, and any generic CSV. The import wizard auto-detects format and maps columns. Customizable auto-categorize rules and duplicate detection included.
Does the .xlsx have live formulas?
Yes. Multiple sheets with SUM, SUMIFS, IF formulas that recalculate in Excel, Google Sheets, LibreOffice, and Numbers. Frozen headers and print-ready layout.
Is my data safe?
Everything stays in your browser (IndexedDB). Nothing is uploaded. Save encrypted backup files to restore on any device.
Free version vs Pro?
Free: current month budget, 3 debts, 2 goals, 5 bills. Pro ($14, one-time): all 12 months, unlimited debts/goals/bills, CSV import, annual overview, full multi-sheet .xlsx.