# Finance Planner

> Know how your year ends. Plan a whole year of income, bills and one-off spending in
> about twenty minutes, and see the balance you actually land on.
>
> 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. Free and complete
> without an account. Your plan stays on your own device — it is never stored on the
> product's servers. No bank connection, no transaction import, no financial advice.
> Made in Europe. Free while in beta, including syncing.

Finance Planner began as a yearly planning spreadsheet and keeps its rules unchanged.
The plan is entered by hand and lives in the browser's localStorage — that is the
working copy the app reads and writes, not a cache of a server copy. Optionally, the
plan also syncs to the user's **own Google Drive**, one file per planned year, in
Drive's app-private area. That sync goes straight from the browser to Google: the
product's own server never receives, proxies or stores the plan, in transit or at rest.
The front end is React + TypeScript with no UI or charting dependencies; the optional
API is a Cloudflare Worker over a D1 database holding only the account, the
subscription flag and encrypted Drive tokens.

## Privacy model (the product's central claim)

- The plan is written to the user's browser first and always.
- Backups, if enabled, go to the user's own Google Drive — never to Finance Planner's
  servers. There is no endpoint in the API that reads or writes plan content.
- The server stores only: email address, hashed login codes, hashed session tokens, a
  subscription flag, an encrypted Drive refresh token, and a theme preference.
- No analytics, no advertising pixels, no third-party fonts or CDNs, no tracking cookies.
- No bank credentials, card numbers or account numbers are ever requested or held.
- The whole plan (every year) exports as one JSON file from Settings, and imports back.
- Consequence, stated rather than hidden: there is no server-side backup to restore from.

## What it does

Ten planner pages, plus Settings and Sync.

- **Dashboard** — opens with what needs attention (the tightest month, a budget gone
  over, a stale balance), then the headline figures — in the bank today against your
  buffer, money in, money out, what you kept — and one overview card per page of the app.
- **Income** — streams per person and per month, plus a shared "Family". A salary is one
  figure that fills the year; a bonus in March is entered as a bonus in March rather
  than averaged across it.
- **Recurring Expenses** — standing monthly costs; each item owns its whole year and
  generates an expense for every month it is active.
- **Additional Expenses** — one-off spending, each entry carrying a category (what kind
  of spending) and optionally a budget (which cap it comes from), plus a status
  (planned / done / skipped) and a confidence (committed / likely / maybe). Categories
  are picked from a list or named on the spot. Entries group into projects.
- **Budgets** — caps over all spending, recurring only, one-offs only, a category, or a
  project; read per month (resets) or per year (pro-rated over its active months). The
  category list is maintained here.
- **Savings** — account balances, the year's trajectory against a minimum buffer, the
  year read as one sum (opening balance + money in − money out − invested − debt repaid
  = where it lands), and a monthly balance check that sets a month's closing balance
  from reality so everything after it rolls on from the truth.
- **Saving Goals** — funded out of what each month actually has left after every
  expense; several goals share a month's surplus in proportion to what each asked for.
- **Forecast** — everything past today: this year month by month, then savings,
  investments, assets and net worth, each compounding at its own rate.
- **Investments** — accounts with monthly contributions, counted as money leaving the
  plan, each growing at its own rate.
- **Assets & Debts** — assets as snapshots that never enter the monthly projection;
  debts with a rate, a payment and the months paid. Equity is value minus what is owed.
- **Settings** — year, currency, minimum buffer; export and import the whole plan as JSON.
- **Sync** — connect or disconnect the user's own Google Drive.

Across all of them: multiple years (each a separate plan, switched from the top bar),
one period filter shared by every page, the URL as the current view, undo on every
destructive action, light and dark themes, and offline-first behaviour.

## Rules the numbers follow

- Baseline net = income + recurring outgoings (outgoings stored negative).
- Monthly net = baseline net − one-offs − invested − debt repaid.
- Spending counts when it is planned or done, and committed or likely. Skipped never
  counts; a maybe appears only in the pessimistic line.
- A budget is a yardstick, not a forecast input: budgets never move the savings projection.
- A monthly cap is amount × months in view; a yearly cap is pro-rated over its active months.
- Net worth = savings + investments + asset value − everything owed, from today's balances.
- A balance check sets a month's closing balance outright; everything after rolls on from it.

## Pricing

Two tiers, both free today.

- **On this device** — free forever: the entire product, no account, nothing transmitted.
- **Synced to your own Drive** — normally $5/month, **free for everyone during the beta**.
  Billing is switched off in both the frontend and the Worker, no payment method is
  requested anywhere, and no charge can arise. The plan is kept in the user's own Google
  Drive, in a hidden app-private area, across devices. Editing on two devices at once can
  overwrite whichever change synced first; this is disclosed rather than prevented.

Self-hosting remains possible — the front end is static files and the API is one Worker —
but it is not offered as a purchasable tier.

## What it is not

Not a bank aggregator, not a transaction tracker, not an accounting package, and **not
financial advice**. It does arithmetic on figures the user supplies. It recommends no
product or provider, assesses no suitability, and takes no commission from anyone selling
financial products.

## Pages

- [Home](/): what it is, who it is for, where the data lives, and the three steps.
- [Features](/features): a page-by-page tour of the app.
- [How it works](/how-it-works): the three steps and every calculation rule.
- [Pricing](/pricing): the two tiers, and why syncing is free during the beta.
- [Privacy by design](/security): the architecture — what is stored, where, and what never leaves.
- [FAQ](/faq): the questions asked before starting.
- [About](/about): where it came from, where it is built, and what it refuses to become.
- [Contact](/contact): a form that emails a person, and hello@financeplanner.app.
- [Privacy Policy](/privacy): the formal document — data processed, bases, retention, rights.
- [Terms of Use](/terms): the conditions of use, including the multi-device overwrite risk.