Finance Planner — Know how your year ends

What Finance Planner is

Finance Planner is a web app for planning a year of personal finances: what comes in, what goes out, what you meant to spend, and where the balance actually lands — with the plan itself kept on your device, never on our servers.

It is a planner, not a bank feed and not an accounting package. Nothing connects to your bank, nothing is imported from a card, and no advice is given. You enter a year, and it does the arithmetic — every month, every budget, every account — and keeps the answer honest as the year goes on.

What it replaces

A spreadsheet: Rebuilt every January, and a formula quietly wrong somewhere in it by March. It can be made to answer this — the app grew out of one that did — but only for as long as you keep maintaining it.

A bank-linked budgeting app: It wants your bank login, then hands you a month of transactions to categorise. It is very good at telling you what you already spent, and has nothing to say about the eleven months you have not lived yet.

This: You enter what you already know: the salary, the rent, the insurance, the trip in July, the tax bill in September. It tells you what December looks like — and recalculates the whole year the moment any of it changes.

Where your plan is stored

Your plan is written to your own browser, and — if you turn syncing on — to a private corner of your own Google Drive. It never reaches our servers, in transit or at rest. There is nothing for us to lose, sell or hand over.

Finance Planner can also keep your plan in your own Google Drive. It asks for a single permission — Drive’s hidden application-data folder, the drive.appdata scope — uses it only to sync your own plan between your own devices, and never stores that plan on its own servers.

How it works

1. Put the year in (About 15 minutes) — Income by person and month — a salary is one figure that fills the year — then the recurring costs that make a normal month, and the one-offs you already know about. Nothing to connect, nothing to import.

2. Say what you meant to spend (About 5 minutes) — Budgets by month or by year, over all spending, one category, or one project — the big pieces of work you group your one-off entries into. Spending reaches a budget by description, or because you charged it there on purpose.

3. Read where it lands — and keep it true (Instant, then a minute a month) — The dashboard shows the tightest month and whether the balance holds your buffer. Once a month you record what the bank actually said, and the projection rolls on from that instead of drifting.

What it costs

On this device: The whole planner, with no account and nothing sent anywhere at all.

Synced to your own Drive: Everything above, plus your plan kept in your own Google Drive.

What you get

Your figures stay on your device — nothing is sent to our servers

No bank login, no card, no account needed to start

Every number traceable to the rows that made it