A thought experiment:
Imagine you’re asked to hand over a PDF of every transaction you made this year. Every coffee. Every late-night Deliveroo order. The one questionable Amazon purchase you made at 2am. Now imagine giving that to a stranger, permanently.
That’s what a surprising number of budgeting apps expect.
Sometimes we trade privacy for convenience without noticing. “It’s only my transaction data.” But transaction data is a map of your life – habits, location, routine, income, stress, relationships, health. Patterns reveal more than we think.
And once it’s uploaded? You can’t un-upload it.
I wanted an alternative.
Why Local Only Matters
When everything happens locally:
- Your spending history doesn’t sit on a server
- You aren’t one data breach away from exposure
- You don’t need to trust me, or the app
- Your information belongs only to you
This architecture isn’t flashy – it’s intentional. Expensible runs entirely in the browser, using local storage. If you turn off Wi-Fi mid-session, it just keeps working. No sync errors. No outage fears.
“But I Can Just Use Spreadsheets”
I used to. Maybe you do too.
Spreadsheets are powerful, but they’re also repetitive. Paste → format data → rename columns → convert date formats → categorize → sum totals. And if you have multiple banks? Multiply the work.
Expensible automates the dull stuff so you can focus on decisions, not cell formatting.
A Middle Path Between Simplicity and Control
Financial tools usually live on two ends:
| Simple apps | Powerful tools |
| Easy to start | Difficult to master |
| Low control | High friction |
| Cloud storage | Data exposure risk |
Expensible sits right in the middle.
No accounts. No syncing. No fees. Just the power of spreadsheets without the manual effort – all without giving data away.
Try It Without Risk
There’s sample data built in – you can explore without uploading anything personal first.
Tinker for 10 minutes. See where your money goes. Decide whether it earns a place in your toolkit.
I built it because I needed it.
If you need it too — I hope it helps.🔗https://expensible.co (Free. No signup. Works in your browser.)
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