Three Locks Certified — Offline-First · API-Free · Single-File

Calm Budget.Your money. Your device.Your rules. Forever.

YNAB costs $14/month to see your own budget. Mint got shut down. Calm Budget is $29 — once. Offline. Private. No bank linking. No data leaving your device. Yours forever.

See It In Action

Budgeting that doesn't make you anxious.

No bank linking. No data syncing to someone else's server. No monthly fee for the privilege of seeing your own finances.

Calm Budget app screenshot

The Numbers

YNAB charges $109/year to see your own budget.

That's not anti-SaaS posturing. That's arithmetic.

YNAB
Calm Budget
Monthly cost
$9/month
$0/month
Year 1 total
$109
$29
Year 3 total
$327
$29
Year 5 total
$545
$29

In under 3 months, Calm Budget has paid for itself.

What's Inside

Built for real households. Not spreadsheet power users.

The full budgeting tool. One file. Yours forever.

Transaction Tracking

Every expense. Every income. Your device.

Log transactions manually. Categorise by type. See exactly where your money goes every month. All stored locally — nothing uploaded anywhere.

Budget Planning

Set your budget. See how you're tracking.

Define monthly budgets by category. Watch the numbers update in real time as you log transactions. Know before you overspend.

Monthly Overview

Your full financial picture. At a glance.

Monthly summary with income vs expenses, category breakdown, and savings rate. Simple enough to actually use every week.

No Bank Linking

Your data never leaves your device.

No connecting to your bank. No account linking. No data synced to a cloud. Everything stays local — because that's how it should be.

Data Export

Your data is always yours to take.

Export your full transaction history and budget data as a portable JSON file. Import it on any device. No lock-in.

Multi-Currency

Works in any currency.

Set your currency symbol and the app uses it throughout. Works for households anywhere in the world.

$29. Once.
Yours forever.

YNAB charges $109/year. Every year. Calm Budget is $29, once. In under 4 months you've already saved more than you spent.

Current pricing — products improve, prices may increase. Terms of Sale