FAQ — Finance Planner
Do I need an account? Does it connect to my bank? What currency does it use? What happens to my plan if I sign out? The questions people ask before starting.
Start planning — it is free, and needs no account
Where is my financial data stored?
In your browser, on your device. Every change is written to this browser’s own storage first, and that is the copy the app reads and writes — not a cache of something on a server. If you turn syncing on, a copy also goes to a private, app-only area of your own Google Drive. Our server is never in that path: it does not receive, proxy or store your plan, in transit or at rest.
Do I need an account?
No. The planner is complete without one: your plan lives in this browser’s storage and works offline. An account exists for one reason — to sync your plan to your own Google Drive, so it opens on your other devices and survives clearing this browser.
What does it cost?
Using it in your browser is free forever. Syncing to your own Google Drive will be $5 a month, and is free for everyone while the app is in beta — no card is asked for anywhere, and there is nothing to cancel. If that changes you will be told well in advance.
Does it connect to my bank?
No. There is no bank connection, no card linking and no import of transactions. You enter the plan yourself, which is why nothing about your accounts ever has to be handed to anyone.
Is this financial advice?
No. It is arithmetic on figures you supply, and it is a tool for getting a clear view of your own money — not a recommendation about what to do with it. It will tell you that August is the tightest month in your plan; it will not tell you what to buy, sell or invest in. It takes no commission from anyone who sells financial products, and for a decision that matters you should talk to a qualified adviser.
Where is it built?
In Europe, by a very small team. That is worth saying for a finance tool: it is who writes the code, and it is the legal environment the product is built in — one where the default assumption is that your data is yours.
Is there a password?
No. Signing in asks for your email address and sends a five-digit code that works once and expires in ten minutes. There is nothing to choose, forget or reuse.
Can I plan more than one year?
Yes. The year is switched from the top bar, and each one is a plan of its own: income, spending, budgets, goals and balances are all separate, so planning next year cannot disturb this one. If you sync, each year is its own file in your Drive.
What happens to my plan when I sign out?
It stays in this browser, exactly as it was. Signing out ends the session; it never deletes a plan. If signing in ever replaced what was here, the previous plan is kept aside so that it is recoverable.
Can I export my data?
Yes — Settings exports every year you have planned as one JSON file, and reads the same file back in. It is the same shape the app stores and syncs, so there is nothing proprietary to be trapped in. If you sync, the file in your Drive is also yours to take.
Which currency does it use?
Whichever you set in Settings. Numbers and dates are formatted to match — CHF groups on apostrophes the Swiss way — while month names stay in English.
Can I try something without wrecking my plan?
Every change can be taken back from the toast that reports it, so an edit you did not mean costs one click — including the ones that delete something. Budgets are the place to try a number without committing to it: they sit beside what you actually planned rather than replacing it.
Can two people use the same plan?
Two devices signed into the same account share one set of files in your Drive, so yes — but not at the same time. Whichever device syncs last replaces the other’s unsynced changes. The app tells you when it spots this; it cannot prevent it, and that limit is stated in the terms.
The planner itself needs JavaScript: every figure on screen is calculated in your browser.