Finance Planner — Every household runs on a plan. Most of them live in someone’s head.

What Finance Planner is

Finance Planner is an annual budget planner for households — a year of income, spending, budgets, saving goals, investments, pensions and debts in one place — showing what each month leaves you, where your balance lands and what you are worth. No bank login, no account, and the plan stays in your own browser.

It is a planner rather than a tracker: it is about the twelve months in front of you, not a tidy record of the ones behind. Nothing has to be discovered, because you already know most of it — the salary, the rent, the insurance, the trip in July. You type that down, it does the arithmetic on all of it, and it keeps the answer honest as the year goes on.

What kind of thing it is

Nothing to connect: No bank login, no card, no import, no month of transactions to categorise before you learn anything.

Every figure traceable: Each total opens onto the rows that made it. The rules are published in full — nothing is inferred on your behalf.

Households, not individuals: Income per person plus a shared family stream. Two salaries, one buffer, one answer.

Confidence, not guesswork: Mark spending committed, likely or maybe, and read the optimistic and pessimistic lines side by side.

Multiple years: Each year is its own plan, switched from the top bar, with one period filter shared across every page.

Offline first: It works on a plane. Undo on every destructive action, light and dark themes, the URL as the current view.

Who it is for

Couples and families: Two salaries, one set of bills, and a year with a deposit, a wedding or a baby in it. Income is entered per person plus a shared family stream, so the answer at the end is the household’s and not one of yours.

Households anywhere in the world: Set the plan in your own currency — dollars, euros, pounds, rupees, francs, lek and fifty more — and the figures group the way they do where you live. The costs that break a monthly budget, wherever you pay them, are a dated one-off, a recurring cost or a private pension here: the tax bill nobody deducted at source, the insurance premium, the pension you top up yourself.

People who have outgrown a spreadsheet: This was one, for years. The same arithmetic, without the formula that quietly broke in March — and next January carries your standing setup forward instead of making you rebuild the grid.

Freelancers and uneven income: A quiet spring and a busy autumn are just different figures in different months, not an average that flatters both. Savings shows the month the balance comes closest to your buffer, which is the month that decides whether the year works.

Anyone saving hard for the long run: Forecast runs past December: savings, investments, pensions and assets each compound at their own rate, and net worth is the lot of it minus what you owe. It recommends no product and takes no commission from anyone who sells one.

People who want to own their own numbers: No open banking, no screen-scraping, no card number, no month of transactions to categorise before you learn anything. There is nothing to connect, because you type the plan — and it stays in your browser, on your machine, yours to export or delete without asking anyone.

The pages of the planner

Dashboard — Is this year going to work? The year in one screen: the one thing worth looking at, the headline figures, and a card per page with the rows behind each one.

Income — What comes in, and when? Every earner and every stream, month by month. A salary is one figure that fills the year; a bonus month stays a bonus month.

Recurring Expenses — What does a normal month cost? The standing costs — rent, groceries, insurance, subscriptions — entered once and generated into every month they are due.

Additional Expenses — What else is happening this year? One-off spending in a searchable list — each entry categorised, optionally charged to a budget, and groupable into a project.

Budgets — What did I mean to spend? Caps you set yourself — over everything, one category or one project — read either per month or across the year.

Savings — Does the plan still match the bank? What is in the accounts, where the year ends, the lowest point against your buffer, and the monthly check against what the bank actually said.

Saving Goals — What is the money actually for? What you are saving towards, funded out of what each month actually leaves once every expense is paid.

Forecast — Where does today’s money land? Everything past today in one place: this year month by month, then savings, investments, assets and net worth for the years after it.

Investments — What is being put away, and what could it become? Each investment account, what it holds today, and what goes into it every month.

Pensions — What will retirement actually leave me? Every pension in the household — state, employer, private — with what is in it, what goes in monthly, and what it comes to in the year it retires.

Assets & Debts — What am I actually worth? The things you own that are not a balance you can spend, and the debts secured against them.

How it works

1. Cash flow — What a month leaves you. Income per person and the standing costs of a normal month, twelve times over. The part everything else is built on. In the planner: Income · Recurring Expenses.

2. Commitments — What is already spoken for. The trip in July, the tax bill in September, the kitchen whenever it happens — the one-offs that turn an average month into a real one. In the planner: Additional Expenses.

3. Discipline — What you meant to spend. A yardstick over all spending, one category, or one project — read per month or as one pot for the year. In the planner: Budgets.

4. Resilience — What you can absorb. The lowest point the balance reaches, against the buffer you set — and the monthly check-in that keeps the plan honest about it. In the planner: Savings.

5. Ambition — What the money is for. Goals funded out of what each month actually leaves you, after every expense is paid — not out of what you hoped it would leave. In the planner: Saving Goals.

6. The long run — What all of it becomes. Investments, pensions, what you own and what you owe, each compounding or amortising at its own rate into a net worth you can defend. In the planner: Forecast · Investments · Pensions · Assets & Debts.

Where your plan is stored

Your plan is written to your own browser, and — if you turn backups on — to a private corner of a cloud account that is yours, not ours. It never reaches our servers, in transit or at rest. There is nothing here 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.

Your plan: your device · your Drive.

Bank credentials: never requested.

Ad pixels · data sold · CDN fonts: none.

Analytics: anonymous page counts · Do Not Track honoured.

We store: email · hashed codes · sub flag · encrypted token · theme.

Trade-off, stated: no server copy, no server restore.

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 it does not do

No bank login. No account to start. No ad trackers, ever. Privacy by design. Made in Switzerland, in Europe.

Does it connect to my bank?

No. There is no bank connection anywhere in the product: no open banking or PSD2, no bLink, no Plaid, no screen-scraping, no card linking and no import of transactions. You enter the plan yourself, which is why nothing about your accounts — no login, no account number, no statement — ever has to be handed to us or to anybody in between.

Do I need an account?

No. The planner is complete without one — every page and every feature — because your plan lives in this browser’s storage and works offline. An account exists for one reason: to back your plan up to your own Google Drive, so it opens on your other devices and survives clearing this browser.

What happens if I clear my browser data?

The plan goes with it, unless you had syncing switched on or had exported it. We hold no copy, so we cannot restore one — that is the direct cost of keeping your figures off our servers, and we would rather state it here than let you find it out. If a plan matters to you, either connect a Drive or take a JSON export from Settings; both take a minute.

What does it cost?

Every feature is free, forever — there is no page, chart or calculation held back, because all of it runs on your own device. The single paid thing is backing your plan up to your own Google Drive, and it is free for everyone while the app is in beta; the pricing page carries the rate it will be after that. No card is asked for anywhere, and there is nothing to cancel. If that changes you will be told well in advance.

Is this a replacement for my budgeting spreadsheet?

That is what it is for. It began as one person’s own yearly planning spreadsheet and keeps the same arithmetic, with the parts a grid makes painful done for you: no formula to drag down twelve columns, no row that quietly stopped being included in a total, and no rebuilding it every January — a new year can carry last year’s standing setup forward. Every total still opens onto the rows that made it, and the whole thing exports as one JSON file if you ever want to go back to a grid.

Does it work for a Swiss household?

Yes, and that is the household it was first written for. The plan counts in CHF and groups the figures the Swiss way. The costs that break a flat monthly budget are handled by being planned rather than averaged: the tax bill nobody deducted at source is a one-off entry in the month it falls, the health-insurance premium is a recurring cost, and a pillar 3a sits on the Pensions page beside the state and employer ones. What it does not do is know Swiss tax law — it will not tell you the 3a ceiling or work out what you owe. You type the figures; it does the arithmetic on them.