Build your ark.
Weather any storm.
BudgetArk is a free, offline-first personal finance app for debt payoff, monthly budgeting, net worth, and planning ahead. Connect your bank on your own terms or never go online at all - no subscription, no BudgetArk server, no tracking. Your data stays encrypted on your device.
- 🔒 Offline-first & private
- ⛵ Free forever
- 🚫 No subscription
- 🎨 Sixteen themes
WHAT'S ON BOARD
Everything you need for the voyage
Debt payoff, budgeting, bank syncing, net worth, and planning for the future - all in one vessel.
Debt Tracker
Crush every debt with Snowball, Avalanche, or your own payoff order. Due-date reminders, a Debt-Free Countdown built from your real payment pace, and a keep-alive watch so a quiet credit card never gets closed on you.
Monthly Budget
Income, expenses, and category limits with spending-pace marks. A bill calendar shows what's due and paid, bills settle themselves when the real charge arrives, and a safe-to-spend number replaces guesswork.
Bank Connections
Bring your own SimpleFIN or Teller credentials and let transactions import themselves - nothing enters your budget until you approve it in the Review Inbox. No aggregator, no server in between.
The Bridge
Your net worth dashboard: accounts, history, and rise/drop tracking over a day, week, month, or quarter. Add live stock and crypto holdings (opt-in), link your emergency fund to real savings accounts, and track purchase plans.
Charts & Calculators
Investment projections, loan and mortgage amortization, refinance break-even, a US take-home pay estimator that never phones home, currency exchange, "What if I stopped spending on…", and a Plan-a-Purchase sinking fund tool.
Build Your Ark
A milestone journey for your finances: lay the keel, patch the hull, stock the galley. Quick-start budget templates get you moving, and your ark takes shape as your money does.
Captain's Course
All 24 lessons across five chapters - from good vs. bad debt to index funds, insurance, and estate basics - plus a Ship's Log of achievements with live progress rings to earn along the way.
Receipts, Business & People
Snap encrypted receipt photos onto any entry, tag expenses to a business for a tax-time report and CSV, mark paychecks W-2 or 1099, and assign spending to the people in your household.
Partner Sync
Budget together. Pair with your partner's device and sync encrypted, directly over your own Wi-Fi - no server in the middle. Mark an entry Private and it stays on your phone only.
App Lock & Privacy
Everything is stored encrypted on your device. Add a PIN gate on launch, block screenshots with Privacy Mode, and skip the sign-up entirely - no email, no account, no analytics.
Backups & Spreadsheets
Scheduled local auto-backups, tamper-evident encrypted exports, and a full Excel workbook with live formulas that round-trips back in. Your data is yours - take it anywhere.
Widget & Search
Log an expense in one tap from a home-screen Quick Entry widget on iOS and Android, and find anything - debts, payments, entries - with global search and advanced filters.
MAKE IT YOURS
Sixteen themes. Your colors.
From warm parchment to the deep sea, a 1998 desktop to a high-contrast lighthouse - pick the look that fits you, then mix it with Solid or Glass design styles, ambient backgrounds, and three layout density presets. Tap a theme below to try it on this page.
OUR MISSION
Why BudgetArk exists
"I wanted to be proactive with my finances, get them under control and start preparing for the future, without giving up my privacy or paying for another subscription. I needed debt payoff, monthly budgeting, and a clear view of the road ahead in one offline app that stays on your device and goes nowhere else. I built BudgetArk to help you do the same, at no cost to you."
Ready to come aboard?
BudgetArk is available now on iOS. Android is in closed testing on Google Play - watch the news page for the public launch.
Questions? Reach us at budgetark.support@gmail.com