ptbudget
Launch App

Private by design · No account needed

Your money has wings.Your data stays home.

ptbudget is a complete budget tracker that runs 100% in your browser. Track spending, plan budgets, pay down loans and catch every subscription, in an encrypted database that never leaves your device unless you say so.

Launch AppSee the features
  • Free to start
  • Nothing to install
  • No bank login
  • 9 languages
app.ptbudget.com

Encrypted on your device

Your database is locked with a key only you hold. There is no account to breach and no copy on our side.

A real database in your browser

SQLite runs inside the page, so every screen answers instantly and nothing waits on a server.

Sync only if you want it

Stay local, or keep the encrypted file in your own Google Drive or OneDrive to use it on another device.

AI without the upload

Run a model on your own machine or bring your own key. You approve what the assistant is allowed to touch.

The tour

Everything your budget needs. Nothing an advertiser wants.

Every screenshot below is the real app running on its built-in sample household. Open any of them full size, or launch the app and load the same data yourself.

01

Track

See where it all goes

Dashboard

The whole picture, the moment you open it

Income, spending, savings rate and your biggest categories on one screen. Pick a period, narrow it to an account or a person, and every number and chart follows.

  • Six views: spending breakdown, budget health, trends, commitments, income sources and per-person analysis
  • This week, month or year, a rolling window, or any custom range
  • Filter by account or household member, and the choice carries across pages
  • Committed versus discretionary spending, so you know what is already spoken for

Transactions

Every transaction, sorted the way you think

A fast, filterable ledger with categories, companies, projects, trips and comments. Transfers between your own accounts and refunds are recognised automatically, so they never inflate your income or your spending.

  • Search and filter by date, amount, category, company, account or person
  • Auto-classify finds transfers and refunds, and your own type rules handle the rest
  • Flag, exclude or annotate rows, and export any view to CSV
  • Duplicate detection stops the same row landing twice

Import

Bring your bank's export. Skip the bank login.

Download a statement file from your bank and drop it in. A guided import works out how the file is laid out, shows you how it read your rows, and lists anything that looks wrong before a single one is saved. Your bank password is never part of it.

  • CSV, TXT, TSV, OFX and QFX files, from checking, savings, card and loan accounts
  • Dates, decimals and which way the money goes are read from the file and shown in plain words, with examples from your own rows
  • The account is found from the number in the file; a guess is shown as a guess for you to confirm, and a missing account can be created on the spot
  • Rows it cannot read are listed to fix or leave out, rows you already have are skipped, and any import can be undone from its history

Accounts

One household, every account

Checking, savings, credit cards, loans, retirement and investment accounts, each with its own owner, currency and cards. Add the people in your household and see who spends what.

  • Individual or joint ownership, with cardholders per card
  • Card and account numbers that imports match on
  • A currency per account, with household totals converted to yours
  • Opening balances, so history can start whenever you do
Accounts & people
02

Plan

Decide where it should go

Budget

Budgets that carry forward

Set a monthly plan once and it rolls forward until you change it. Unspent money can carry into next month, and savings funds build toward the big things.

  • Month, quarter and year views of the same plan
  • Carry-over per category, so a quiet month pays for a busy one
  • Savings funds linked to projects and trips, with progress toward each goal
  • Expected income set against planned spending

Loans

Know the payoff date, and what it costs to get there

Track mortgages, car loans and store financing. Payments are picked out of your transactions by rules you control and split into principal and interest, with a projection of every payment still to come.

  • Daily simple-interest math, with a principal and interest split you can override
  • Deferred-interest promos: a warning well before the pay-by date, and the payment needed to beat it
  • Projected payoff date and the balance after each payment
  • Link a loan to the project it paid for, or to an account

Subscriptions

Every recurring charge, found for you

ptbudget scans your history for payments that repeat and lists them with cadence, amount and the next expected date. Confirm the ones that matter and hide the rest.

  • Monthly, quarterly and yearly cadences detected from your own data
  • Estimated monthly cost, and what is due in the next 30 days
  • Merchant rules for the descriptions your bank mangles
  • Autopay or manual, with a due day that feeds your reminders

Projects & trips

Budgets for the big things

Give a furnace replacement or a week at the beach its own estimate, link the transactions as they happen, and watch the actual cost against the plan.

  • House projects with estimate, actual cost and linked transactions
  • Trips with dates, purpose and estimated cost
  • A savings fund for each project or trip
  • Financing tracked next to the project it paid for

Reminders

Nothing due goes unnoticed

Payment alerts are raised from your subscriptions and loans. Reminders are whatever you need them to be. Everything due shows on the bell, on the dashboard and on its own page.

  • Alerts for manually paid bills and for promo deadlines
  • Your own reminders, with lead time and repeats
  • Snooze, mark done or dismiss from wherever you see it
  • Lead times per alert type in Settings
03

Understand

Ask better questions

AI assistant

Ask your data. Keep your data.

A side-panel assistant that answers questions by querying your local database. Run a model entirely in your browser, point it at a model on your own machine, or bring your own API key. You decide which tools it may use and when it has to ask first.

  • Runs GGUF models in the browser, and nothing is downloaded until you pick a model
  • Works with local endpoints such as Ollama and LM Studio, or a cloud provider with your own key
  • Read-only tools by default; anything that changes data waits for your consent
  • Suggests categories and merchant rules that you review before they are applied

Demo conversation: the reply text was scripted for this screenshot, and the tool call ran against the sample database.

SQL console

It's your database. Query it.

Your data lives in a real SQLite database, and the built-in console lets you ask it anything. Syntax, schema and SELECT-only checks run locally before a query is sent to the database.

  • Read-only by design: nothing typed here can change your data
  • Schema-aware editor with formatting and sample queries
  • A time limit for runaway queries
  • A developer console with structured logs when you want to see under the hood
04

Own

Private by design

Encryption

Locked with a key only you hold

Your database is encrypted before it touches storage. Unlock it with a password or a 12-word recovery phrase, and add a passkey for one-touch unlock. There is no password reset, because nobody else has the key.

  • A password or a 12-word recovery phrase as the master secret
  • Passkeys (fingerprint, face or a security key) as a convenient extra
  • Exports and cloud backups are encrypted with the same key
  • Change your password any time without re-encrypting your data

Storage & backup

Keep it local, or sync to your own cloud

By default the database stays in this browser. If you want it on more than one device, keep the working copy in your own Google Drive or OneDrive: still encrypted, still yours.

  • Local-only unless you choose otherwise
  • Optional sync to Google Drive or OneDrive, about 15 seconds after changes settle
  • Encrypted export and import of the whole database
  • A clear choice when two devices changed the same file

Languages & currencies

Nine languages. Any currency.

Use ptbudget in English, Spanish, French, German, Italian, Portuguese, Chinese, Japanese or Korean. Give each account its own currency and see household totals converted to yours.

  • Language is a per-device choice, so a shared database can be read in two languages
  • A currency per account, converted with exchange rates you set
  • Dates, numbers and money formatted for your locale

Themes

Light, dark, compact, or whatever your system says

Four presets and a density setting, remembered per device. Drag the handle to see the same dashboard both ways.

The dashboard in the dark theme
The dashboard in the light theme

Mobile

Fits the phone in your pocket

Open the same address on your phone. The layout switches to a bottom bar and touch-sized controls, with every page a tap away.

  • Dashboard
  • Budget
  • Transactions
  • Loans
  • More

How privacy works

Where does your data live? Right here.

Most budgeting apps keep your finances on their servers. ptbudget has no server to keep them on. The app is a set of static files; everything else happens on your side of the screen.

Your device
  1. The appPages, charts and forms, running in a browser tab.
  2. SQLite engineA real database running in a background worker.
  3. Encrypted storageEvery page is encrypted before it is written to disk.
Our sideStatic files, and nothing elseHTML, CSS and JavaScript. No database, no accounts, no analytics.
Optional, and yoursYour own cloud driveThe encrypted file, in your Google Drive or OneDrive, only if you turn it on.

  • No account to breach

    There is no sign-up, so there is no user table with your email and your finances next to it.

  • No bank credentials

    You import the file your bank already gives you (CSV, OFX or QFX). Nothing ever logs in to your bank on your behalf.

  • No lock-in

    Export the whole database whenever you like, or read it directly with the built-in SQL console.

Pricing

Start free. Stay free if you like.

The whole budget tracker is free. Paid plans are on the way for people who want managed sync and a hosted AI assistant.

  • Free

    $0free

    The whole budget tracker, on your device.

  • Pro

    $6per month

    Everything connected, with AI included.

  • Lifetime

    $149once

    Pay once. Keep the extras for good.

Compare the plans

FAQ

Fair questions

Where is my data stored?

In your browser, on your device, inside an encrypted SQLite database. Nothing is uploaded to ptbudget. If you choose cloud storage, the encrypted file is saved to your own Google Drive or OneDrive account, not to ours.

Do I need to create an account?

No. Open the app, choose a password or generate a recovery phrase, and you are in. There is no email to confirm and nothing to sign up for.

What if I forget my password?

Nobody can reset it for you, because nobody else has the key. That is the point, and it is also the risk: keep your password or your 12-word recovery phrase somewhere safe. You can add a passkey as a faster way to unlock on a device you trust.

What happens if I clear my browser data or lose my device?

A database that only lives in one browser goes with it. Export an encrypted backup from Settings now and then, or keep the working copy in your own cloud drive so it can be opened from another device.

Can it connect to my bank?

No, on purpose. ptbudget never asks for bank credentials. Download a CSV, OFX or QFX export from your bank and import it; the layout is worked out for you, rows are matched to the right account, anything it cannot read is pointed out first, and duplicates are skipped.

Does the AI assistant send my data anywhere?

Only if you tell it to. A model running in your browser or on your own machine keeps everything local. If you add a cloud provider, requests go straight from your browser to that provider using your own key, and you control which tools the assistant may use.

Which browsers and devices work?

Current desktop and mobile browsers. The app runs a quick compatibility check the first time you open it and tells you if something it needs is missing. On a phone the layout switches to a bottom bar with touch-sized controls.

Is it really free?

The budget tracker itself is free. Paid plans are planned for optional extras such as managed sync and a hosted AI assistant; the pricing page has the details.

Ready when you are. Nothing to sign up for.

Open the app, pick a password, and start with your own numbers or the sample household.

Launch AppTry the sample data