Your finances stay on your device. Not ours.
Most budgeting apps make money from your data. OwnBudget can't — it never sees it.
No credit card required. No account needed.
How it works
Import your transactions, set your budget, track your goals. All on your device. All private.
Import your transactions
CSV, OFX, or QFX from any bank. No login required. No bank link. No third-party aggregator in the pipeline.
Budget and track
Zero-based budgets, spending plan, financial health score, debt payoff goals, and a What-If planner with no competitor equivalent.
Stay completely private
Everything lives in your browser, encrypted on your device. We have no server that receives your financial data. Nothing to sell. Nothing to breach.
Everything you need. Nothing you don't.
Built for people who want a powerful budgeting tool without giving their financial life to a corporation.
Local-first
Your data never leaves your device. Works offline. No account required to get started.
AES-256 encrypted vault
Optional encryption with your own password. We never see the key. Export your vault anytime.
Universal bank import
CSV, OFX, and QFX from 9+ bank formats. Apple Card, Wells Fargo, Chase, and more. No Plaid.
Financial Health engine
Your 0–100 health score, DTI ratio, savings rate, emergency fund coverage, and personalized insights.
What-If planner
Model income changes, new expenses, and debt payoff scenarios side by side. No competitor offers this.
Installable PWA
Installs on your phone, tablet, or desktop like a native app. Works without internet.
How we compare
Architectural privacy — not promised privacy.
| Feature | OwnBudget | YNAB | Monarch | Actual |
|---|---|---|---|---|
| Data on your device | – | – | ||
| No bank aggregator | – | – | ||
| No account required | – | – | – | |
| What-If planner | – | – | – | |
| Polished UI | – | |||
| Price | From free | $109/yr | $100/yr | Free/self-host |
Simple, honest pricing
Free for 30 days — everything unlocked. After that, $7.50/month or $75/year. Your data stays yours either way.