Owncash of Offlinova — a free, private budget and expense tracker that works offline
Owncash of Offlinova is a personal finance dashboard that runs entirely in your web browser. Record income and spending, keep an eye on upcoming bills, set monthly budgets and work toward savings goals. There is no sign-up and no server: everything you enter is stored on your own device.
Features
Dashboard
See your accounts, a cash-flow diagram, net worth over time, spending by category, income versus expenses and a balance sheet on one screen.
Transactions
Add expenses, income and transfers in a few taps. Search, filter by account or category, and browse your history grouped by date.
Bills and reminders
Owncash spots recurring payments in your transactions and lets you track bills with due dates, mark them paid and review payment history. Optional browser notifications remind you before a bill is due, with a lead time you choose.
Reports
A monthly summary, spending trends over 6 or 12 months, a deep-dive into any category and a year in review — all calculated from the data in your browser.
Budgets and savings goals
Set a monthly limit per category and compare it with what you actually spent, or create savings goals with a target amount and date and log contributions.
8 languages
Use the app in English, 简体中文, 日本語, 한국어, Español, Français, Deutsch or Português, with local number and date formats.
Private by design
Your data is saved locally in your browser (IndexedDB). Nothing you type is uploaded; you can export a backup file or erase everything at any time.
Offline HTML download
Download Owncash as a single HTML file that opens without an internet connection and contains no ads.
Installable app
Install Owncash to your desktop or home screen as a progressive web app so it opens like a native app and keeps working offline.
Frequently asked questions
Is Owncash free?
Yes. The web version is free to use and is supported by ads; the downloadable offline file has no ads.
Do I need an account?
No. There is no registration and no login.
Where is my data stored?
Only in your browser on your device. If you clear your browser data, it is removed — use the backup export to keep a copy.
Does it connect to my bank?
No. You enter transactions yourself, or explore the app with sample data first.
Does it work offline?
Yes. After your first visit the app works without a connection, and the offline HTML file never needs one.
Does Owncash give financial advice?
No. It is a tool for organizing your own records; it does not provide financial, tax or investment advice.