Household Wealth Dashboard
A private, offline spending tracker and financial planner for your whole household.
Your data never leaves your device. No server, no account, no sign-up, no
fee. Works on Windows, Mac, Android, iPhone and iPad. Add it to your home screen
or Start menu and it keeps working with no internet at all.
Getting started
Open the link above and answer three short questions: who is in your household,
what accounts you have, and how you would like to begin.
Not ready to use your own figures? Choose Explore a sample household and
click around a made-up family first.
New to it? The illustrated installation guide walks through every
step with screenshots.
Anything you can undo, you can undo: dismissing a note, changing a category,
deleting a row. Every figure has a ? next to it that explains exactly how it
was worked out.
Keep it on your device
| Device | How |
|---|
| iPhone, iPad | Open the link in Safari, tap Share, then Add to Home Screen |
| Android | Open the link in Chrome, tap the menu, then Install app |
| Windows, Mac | Click the install icon in the address bar, or open your household menu, then Settings, then Install as an app |
You can also download the single file
and double-click it. That is the entire app in one file, for computers, with no
internet needed at all.
What it does
One ledger, whoever spent it
Shown at the top of this page. Every row is tagged to a person and an account,
so a category total is what your household actually spent rather than what one
bank happened to see. Merchant names are tidied for reading while the original
text is kept for matching, so correcting a category still teaches the rule.
The month, in a sentence
Home opens with a plain sentence about how the month is going, then anything
that needs attention, then the figures behind it. Nothing is left for you to
work out from a chart.
Credit cards, taken seriously
Utilisation per card and in total, when each statement closes as against when
payment is due, a scorecard of the factors that move a credit score, and which
card to use where based on what you actually spend.
The distinction most tools miss: the balance that reaches the credit bureaus is
the one sitting there when the statement closes, usually about three weeks
before the payment is due. Paying before that date is what lowers reported
utilisation. Paying by the due date only protects your payment history.
Advice built from your own numbers
A health score, a prioritised list of what to do next, and long-run projections.
Nothing generic: every figure comes from your ledger.
Import statements, including PDFs
Drop in a CSV, a PDF or a Word statement. Everything is read on your own machine
and nothing is uploaded.
Where a statement carries a running balance, money in and money out are
verified arithmetically rather than guessed. Card fields such as the credit
limit, minimum payment and APR are read from the statement and offered as
tick-box updates. Nothing is saved until you press Apply.
Light and dark
Follows your system setting, or switch it yourself.
On a phone
Controls grow to a comfortable size, dialogs fill the screen, and the layout
becomes a single column.
The six destinations
| Where | The question it answers |
|---|
| Home | How is this month going, and is anything wrong? |
| Money | What did we actually spend it on? |
| Budget | Are we on pace, category by category? |
| Credit & Debt | What is this borrowing costing, and what moves the score? |
| Wealth | What do we own, what do we owe, and what are we saving for? |
| Plan | What should we do next, in what order? |
Bringing data in and taking backups out live behind the household menu, top
left, along with settings.
Back up your data
Your figures live in one browser on one device. There is no online account, so
nobody can recover them for you.
Click your household name, top left, then Download backup. Do it once a
month and keep the file somewhere safe. The dashboard reminds you if 30 days
pass without one.
Privacy and security
No server, no account, no telemetry, and zero third-party code. The only network
request the app makes is its offline cache fetching its own files.
It is served from its own subdomain, so its stored data is isolated from every
other site. SECURITY.md sets out the full picture, including what
was tested and the limits that remain.
A note on advice
Plan applies widely published personal-finance guidelines to your figures. It does not know your tax situation or your full circumstances, and it
never recommends a specific investment. The credit score it shows is an estimate
built from your own entries, not your real score from a credit bureau. For
decisions that matter, talk to a licensed financial advisor.
Want the details? DOCS.md covers how the numbers are calculated, the
file layout, and how to customise categories and rules.
