Budget Planner App, Spreadsheet Alternative, Debt Payoff , Bill Tracker, Monthly Budget, Paycheck, Offline, No Subscription

A digital budget planner for your computer: debt payoff tracker, bill tracker, paycheck budget and monthly budget in one file. No formulas, no account, no subscription.▸ TRY THE FREE DEMO FIRSTCopy this link into your browser, go through setup and explore with sample data:https://budget-planner-demo-alg.pages.dev▸ WHAT IT ISThis is a real app in a single file, not a spreadsheet template and not a printable.Double-click Budget_Planner.html, add your income, bills and spending, and every page updates on its own.A calm, clean layout, a guided setup and a help icon on every page mean it never feels overwhelming, even if this is your first budget.▸ WHAT'S INSIDE: 15 CONNECTED PAGESDebts and bills• Debt payoff tracker: snowball or avalanche, your debt-free date, interest, and what an extra payment saves• Bill tracker (Payments): bills, subscriptions and paydays entered once and repeated weekly, every two weeks, monthly or yearly; mark paid• Bill calendar: every bill, subscription, debt payment and payday by day; click a day to add to itBudgeting• Paycheck budget: weekly, biweekly, twice a month or monthly; see which bills each paycheck covers and what is left• Monthly Budget: a budget template that totals itself; planned vs actual by category, left to spend, overspend warnings, weekly breakdown, copy last month's plan; start your budget in any month• 50/30/20: needs, wants and savings against your own targets• No-spend challenge: mark your no-spend days and track your streakTracking and overview• Dashboard: your photo and name, income, expenses, what's left, savings, budget use, upcoming bills, recent transactions, sinking funds, debt and net worth at a glance• Expense tracker (Transactions): quick add from any page; search, filter and sort; expenses, income and transfers; CSV import and export• Accounts: checking, savings, cash, credit cards and investments with live balances and transfers• Expense distribution: spending charts by category, group and weekday• Annual totals: your whole budget year, month by monthSavings and wealth• Sinking funds and savings tracker: goals with progress, monthly amount and projected dates• Net worth tracker: monthly snapshots and a trend line• Investment forecast: compound growth projection, assumptions shown▸ ALSO INCLUDED• Your own categories with names, colours and icons; any currency and your date format• Auto-save after every change ("Saved" only shows when it really saved)• Dated backup file and restore, with optional daily or weekly backup reminders• CSV import from any bank, a ready-made import template, and CSV export• Guided setup in five short steps, a six-stop tour you can restart, and sample data you can remove in one click• Help icon on every page, and a short video tutorial for every page that opens straight from the planner• Two styles (Feminine florals or Masculine eucalyptus and ochre), each in light and dark mode• Optional points and levels that grow a garden (or climb a mountain) as you budget; turn them off any time• Optional PIN privacy lock for a shared computer• "Licensed to" your name, with your own license key• Reduced motion setting▸ MOVING FROM A BUDGET SPREADSHEET?• Nothing to break: no formulas, no locked cells, no pop-ups telling you a cell can't be edited• No account and no sign-in: the file you download is the planner itself, not a PDF with a link• Easy to read: clear pages, big numbers and charts instead of tiny text in a grid• Bring your history with you: save your old spreadsheet or bank transactions as a CSV file and import them, with a preview, duplicate check and undo• Export your transactions to CSV any time, for your accountant or tax time• Works with the internet off and keeps your numbers on your computer▸ PRIVATE BY DESIGNNo account, no login, no bank connection. The planner makes no network requests and works with the internet off.Your data is saved in your browser on your computer, and you control your backups. Browser storage and backup files are not encrypted, so keep backups somewhere safe.▸ WHAT YOU RECEIVE (instant download, 5 files)1. Budget_Planner.html (the planner)2. Quick Start Guide (PDF)3. Full illustrated User Guide (PDF)4. Video Tutorials (PDF with the video links)5. Product Information and Backup Instructions (two PDFs in one ZIP file)Download them from your Etsy purchases page right after checkout. Double-click Budget_Planner.html to open it. The Quick Start Guide shows every step.▸ REQUIREMENTS• A Mac or Windows computer with a current web browser• Built for laptop and desktop screens. It is not made for phones or tablets, so please choose it for computer use▸ PLEASE NOTE• Your data stays in the browser and computer where you use it. Moving the file or switching browsers does not move your data; use a backup file.• Private or incognito windows and clearing browser data remove your data. Save backups regularly.• Single user, single budget. No live bank connection: type your transactions or import your bank's CSV file. English only. Changing currency relabels amounts; it does not convert them.• Debt and investment figures are estimates with stated assumptions. This planner is for organizing your records. It is not financial, tax, or legal advice.• The optional PIN lock is a privacy screen, not encryption.▸ LICENSEPersonal use only. Please don't share, resell or redistribute the file.▸ DELIVERYInstant digital download. Nothing is shipped. Because it's a digital file, returns aren't accepted, but if anything doesn't open or work as described, message me and I'll help.