Dashboard with summary
Clean overview of income, expenses and savings for the current month, with built-in 50/30/20 rule analysis. See at a glance whether your plan holds.
Free · No ads · Your data
Take control of your money.
Finanse Bez Owijania
A simple, honest personal finance web app. Track income and expenses, follow the 50/30/20 rule, plan savings — without subscriptions or ads. Built by Nullexa Games as a utility for people, not for ad networks.
- $0
- subscription fee
- 0
- expense categories
- 0
- currencies (PLN/EUR/USD/GBP)
- 0/30/20
- needs / wants / savings rule
// Everything you need
What's inside
Expense tracking
12 categories (housing, food, transport, savings, entertainment, clothes, others). Each entry with date and notes.
Voice input
Say "I spent 24 on food" — the app recognises the amount, category and saves the entry. No typing required.
Income tracking
Salary, freelance, investments, gifts — a full picture of your money coming in.
Charts & statistics
Monthly trends, spending by category, income vs expenses — everything in one place. Export to PDF or CSV for deeper analysis in Excel.
Multi-currency
PLN, EUR, USD, GBP with live exchange rates. Working abroad or earning in a foreign currency? No problem.
Achievements & points
Earn points for regular entries, unlock achievements and trade points for rewards. Building a habit deserves recognition.
PWA — install like native
Install on your phone, works offline. Data syncs when you're back online.
Chrome extension
Mini-dashboard in your toolbar. Add expenses in one click and check your 50/30/20 rule without opening the app.
// The 50/30/20 rule
A simple budget framework
The popular budgeting method that fits the app: split your take-home into Needs, Wants and Savings, then watch the dashboard confirm it.
| Bucket | Recommended share | What fits here |
|---|---|---|
| Needs (50%) | 25–35% of total for housing alone | Rent, mortgage, utilities, groceries, transport, insurance |
| Wants (30%) | 5–10% entertainment + 3–5% clothes | Dining out, hobbies, streaming, fashion, treats |
| Savings (20%) | 10–20% of net income | Emergency fund, retirement, investments, goals |
// Built for everyone
Pick your profile
👤 Singles
Save for a dream trip, an apartment or gear. One income, one plan.
Read guide →👫 Couples
Joint budget for two, shared goals and clean reconciliation.
Read guide →👨👩👦 Family 2+1
Education, fun, financial security with one child.
Read guide →🎓 Students
Rent, study, fun — on a limited scholarship budget.
Read guide →💻 Freelancers
Irregular income, taxes and a buffer for quiet months.
Read guide →👴 Retirees
Retirement planning, health, travel — within your pension.
Read guide →// FAQ
Common questions
Is the app really free?
Yes — completely free, no subscription, no hidden costs, no ads. We earn only through optional affiliate links to financial products, never from your data.
Where is my data stored?
In your own cloud (Firebase, EU region) if you sign up, or locally in your browser if you use guest mode. You can export JSON and delete your account at any time (GDPR-compliant).
Do I need to register?
No. Guest mode works fully offline in the browser. Register only when you want sync across devices and the achievements system.
Why the 50/30/20 rule?
It's a well-tested default that works for most people. 50% on needs, 30% on wants, 20% on savings. The app shows your current ratio so you can adjust as life changes.
How much should I save each month?
The rule recommends 20%, but start with what you can — even 5% is progress. The priority is an emergency fund covering 3–6 months of expenses before long-term goals.
// App screenshots
Real app screens
Captured from the live PWA (manifest.json). Dark mode, mobile-first.
Landing
Dashboard
Expenses
Dashboard · wide
Expenses · wide
Take control of your money — in 15 minutes a day.
Free, ad-free, your data. Open the app and start with one entry.