Free Budget Tracker
Log your real income, expenses, and savings, and watch the trend build month over month. No sign-up, no email, no server — everything stays in this browser.
Why No Account?
Every budgeting app that asks for an email address or a login is a budgeting app that stores your financial habits on someone else's server. The Budget Tracker takes the opposite approach: your transactions are written to your browser's local storage and never transmitted anywhere. There's no backend to breach, no account to hack, and no data set to sell — because none exists outside your own device.
The trade-off is real and worth knowing upfront: your data doesn't sync across devices, and clearing your browser's site data erases it. That's why Export CSV exists — a plain spreadsheet file you control, that works as a backup or a way to move your history into a different browser.
How This Differs From the Budget Calculator
The 50/30/20 Budget Calculator answers "if my income and expenses looked like this, would I be on target?" — a single-month projection you type in by hand. The Budget Tracker answers a different question: "what actually happened this month, and the month before that?" It's built for logging real transactions as they happen, not modeling hypotheticals.
Frequently Asked Questions
- Do I need to create an account to use the Budget Tracker?
- No. There's no sign-up, no email, and no password. Everything you log is saved directly in your browser's local storage — the same technology that remembers your dark mode preference. Nothing is sent to a server, because there is no server for your data.
- Where is my data actually stored?
- In your browser's localStorage, scoped to getfincalc.com. It lives only on the device and browser you used to enter it — it does not sync across devices, and we never see it, store it, or have any way to access it.
- What happens if I clear my browser data or switch devices?
- Your transactions will be lost, since there's no account or server copy to restore from. Use the Export CSV button regularly to keep a backup file, and Import CSV to bring your data into a different browser or device.
- Does my balance carry over from one month to the next?
- Yes. Whatever you don't spend or move into a savings category at the end of a month automatically becomes your starting balance for the next month — the same way a real checking account works. The balance card at the top of the tracker shows exactly how that number was built: starting balance, plus this month's activity, equals where you end up.
- Is this the same as the 50/30/20 Budget Calculator?
- No. The Budget Calculator models a single month based on numbers you type in — useful for planning. The Budget Tracker logs your actual transactions over time so you can see real income, expenses, and savings trends, month over month.
- Can I export my data or move it elsewhere?
- Yes. Export CSV downloads every transaction you've logged as a standard CSV file, readable in Excel, Google Sheets, or any spreadsheet tool. You own the file — use it as a backup or move it into another tool entirely.
- Is the Budget Tracker really free, with no ads inside my data?
- Yes, completely free with no limits on transactions. We don't run ads inside the tracker itself — mixing ads with your financial data would undermine the exact privacy promise this tool is built around.
- How does the Recurring Expenses detector work?
- It looks at the expenses you've already logged and groups them by category and amount. Any group that shows up in two or more different months — the same category and roughly the same amount — appears in the Recurring Expenses card automatically, with an estimated annual cost. There's nothing extra to enter: it's built entirely from your normal transaction log, so it also flags a subscription that stops appearing (marked 'not billed last month') in case you forgot to cancel something you're no longer using.