A minimal personal finance tracker that keeps every expense, budget, and income entry encrypted on your device — not on someone else's server.
Free to use · No account needed · Your data stays on your device
Income
$3,240
Expenses
$1,847
Balance
$1,393
12-month spending
By category
Quick Add
Recent
Coffee
2m ago
Server Costs
1h ago
Freelance
3h ago
Transport
5h ago
The problem
Mint, YNAB, Copilot — they all want read access to your bank accounts and store your complete spending history on their servers. One breach, one acquisition, one pivot to ads, and your financial life is exposed.
To sync automatically, most apps need your login — then store a copy.
Your spending history lives where you can't audit it, delete it, or fully control it.
Free apps monetize through data partnerships, credit card upsells, or targeted offers.
Your password never leaves your device. It's used to derive a key via PBKDF2 (200,000 iterations) with a device-scoped salt — industry-standard key stretching that makes brute-force attacks impractical.
You enter a password
Stays in-browser, never transmitted
PBKDF2 derives an encryption key
200k iterations, device-scoped salt
AES-GCM encrypts your data
Before writing to IndexedDB
Encrypted blobs stored locally
Unreadable without your password
Privacy
There is no account to create. Your financial data never touches any server: it lives in your browser's IndexedDB, encrypted before it's written.
Features
No bank linking, no ads, no algorithmic nudges. Just a fast, clear view of where money goes.
Log an expense in under five seconds. Amount, currency, category — done. Designed for the moment of spending, not after the fact.
Category breakdown donut, 12-month spending bars, and budget-vs-actual variance — all filterable by date range.
Set a monthly limit per category. See at a glance whether you're on track, over, or with headroom to spare.
UAH, USD, EUR on every entry. Freelancers and travelers log in the currency they actually spent.
All your expenses, income, budgets, and categories export to CSV. Import anytime. No lock-in, ever.
Install it on your home screen. Log expenses on the subway or in a dead-zone — it syncs nothing, needs nothing.
Food, Transport, Rent, Coffee, Entertainment, Server Costs — pre-seeded so the first log takes zero setup.
Log freelance payments, salary, or any inbound money alongside expenses for a complete picture.
Portability
Every record you've created exports to clean, standard CSV files. Import them into Excel, Google Sheets, or a future app. No proprietary format, no export fee, no friction.
date,amount,currency,category,description
2024-01-15,4.80,USD,Food,Coffee
2024-01-15,12.00,USD,Dev,Server Costs
2024-01-14,420.00,USD,Income,Freelance Jan
2024-01-14,2.50,USD,Transport,Metro
2024-01-13,67.40,UAH,Food,Groceries
2024-01-13,850.00,UAH,Rent,Jan rent
...
Pricing
MinimaSpend is free to use. There's no premium tier, no feature gating, and no ads — because the model doesn't depend on your data.
$0
forever
No sign-up, zero bank credentials, and your first expense logged before you forget it.