A calm, client-only money companion. It tells you the one number you can safely spend this week, shows your net worth and where your money goes, and lives entirely in your browser no account, no bank login, no server, nothing to lose when a company shuts a service down.
▶ Open the live app the demo is the install. Fork it for your own copy.
Important
Not financial advice. OpenFinto is an informational, educational planning tool; not financial, investment, tax, or legal advice, and not a substitute for a licensed professional. It is provided "as is", without warranty, and you use it at your own risk. See the full disclaimer.
Most money apps want your bank login, a subscription, and your trust that their server will still be there next year. Mint wasn't. OpenFinto takes the opposite bet:
- No account, no bank sync, no server. Everything runs in your browser; your numbers live in
localStorageand a JSON file you export. Nothing is ever uploaded. - One honest number. A weekly Safe-to-Spend envelope; your take-home minus bills minus savings — that counts down on its own as the days pass and as you log spends. No fake "live balance" pretending to read your bank.
- A method, not 47 charts. A calm weekly ritual built on the Financial Order of Operations, not a cluttered dashboard.
It's for the person who got burned when a finance app vanished (or bank-sync broke for the hundredth time) and just wants a clear number and a next move and who'd rather own a file than rent a service.
- ✅ Safe-to-Spend a real depleting weekly envelope; logging a spend updates it live.
- ✅ Two-tap logging with an editable "this week" list — delete or undo a mis-logged spend.
- ✅ Sleep on it park a want for 24h; what you skip stacks into a "let go by waiting" total.
- ✅ Your next move one sentence from the Financial Order of Operations (starter fund → employer match → high-interest debt → emergency fund → invest), plus an avalanche/snowball debt-payoff planner.
- ✅ Net worth assets vs liabilities as two clear donuts, with benchmarked savings-rate, cushion (months of runway) and debt-to-income.
- ✅ Where your money goes a spending-by-category breakdown.
- ✅ Honest income-vs-spending a real line that only ever plots months you actually entered; never a fabricated trend.
- ✅ Real multi-currency switch currency and it converts at live ECB rates; conversion is display-only, so your stored numbers never drift.
- ✅ Installable PWA with an optional on-device weekly reminder (and a calendar
.ics) — works offline.
- Open the live app (or your fork's URL).
- Two numbers to start your monthly take-home and your rough monthly bills. You instantly see your weekly Safe-to-Spend.
- Add where you stand cash on hand and any debts (optionally investments and home equity). Your net worth and your "next move" light up.
- Log as you go tap +, type the amount, pick a category. Safe-to-Spend counts down. Mis-typed? Delete it from the "this week" list (with undo).
- Tempted by a want? Park it for 24 hours on the Today screen. Most fade.
- Each week start the new week when prompted. That's the whole ritual.
- It's yours export your data to a
finto.jsonfile any time, and import it on another device. Add the app to your home screen so the weekly check-in finds you.
Your data never leaves your browser. To move it between devices, export the file and import it — there is no cloud.
OpenFinto has no backend and no account. Your financial data is stored only in your browser's localStorage and in JSON files you export yourself. The single network request the app makes is an anonymous currency-rate lookup (e.g. "EUR→USD today") via the public Frankfurter / ECB API — it carries none of your data.
React 19 · Vite · TypeScript · Tailwind CSS; client-only, with no server, database, or API key. A pure deterministic engine derives every number from a single source of truth, guarded by a reconciliation test suite that runs in CI. Shipped as a static, installable PWA on GitHub Pages.
git clone https://github.com/goolars/OpenFinto.git
cd OpenFinto
npm install
npm run dev # local dev server
npm run build # wiring check + tests + type-check + production build into dist/It deploys to GitHub Pages automatically on push to main (see .github/workflows/deploy.yml).
OpenFinto is not financial advice please read DISCLAIMER.md before relying on anything it shows you.
Released under the MIT License: free to use, fork, and modify, provided as is and without warranty of any kind.