Coffernest: Expense Tracker

Coffernest keeps your household's money in one calm place. Open it and you can see what's free to spend this month, what's due, what you own and what you owe, and where the money went. It records what you enter. It never connects to your bank, never asks for bank passwords or reads your SMS, and never moves money. WHAT'S FREE TO SPEND One number on Home: what you can spend until month end, after the bills, EMIs and card dues still to come and the cushion you keep aside. Tap it to see exactly how it's worked out. WHAT'S DUE Rent, school fees, insurance, EMIs and credit-card dues in one list, with a reminder on the day and the days before. Add salary and repeating bills once; they show up as expected every month. WHAT YOU OWN AND OWE Bank, cash, wallet and investment balances, property, loans, credit cards and card EMIs add up to your net worth, month by month. Each loan shows its EMI schedule, what's repaid and what's left. See what a prepayment would save, or which debt to clear first. WHERE THE MONEY WENT Spending by category and by person, so you can see what the kids' school or your parents' medicines cost this year. Kids don't need a login. Cash flow over months and unusual spends. QUICK TO ADD Quick Add takes an expense, income or transfer in a few taps, or type it the way you'd say it: "aarav uniform 1200". Add from widgets, the Lock Screen, Control Centre, Shortcuts or Siri. Search finds any entry. IN YOUR CURRENCY Pick your household's currency and amounts follow your region's style: $1,234,567, 1.234.567 €, ¥1,234,567. Set the month your financial year starts. In India it speaks your language of money: lakh and crore, the April–March year, EMIs, card minimum dues, PPF and FD, and a home-loan and education-loan tax summary (80C, 24(b), 80E). PRIVATE BY DESIGN • No ads, no analytics, no tracking. • Face ID lock, and hide amounts with one switch, including on the Lock Screen. • Export everything to CSV any time. Delete everything any time. THREE WAYS TO USE IT • On this iPhone: no account and no server. Everything stays on the phone. • With a Coffernest server: one set of books for the whole family, each person with their own sign-in and role. Upload bank and card statement PDFs to fill your books, keep encrypted backups, and sign in on every device. The server is open source (AGPL-3.0); run it at home or in the cloud. • Sample data: look around a made-up household first. Nothing you change is kept. Started on the iPhone? Your books can sync both ways with a server later. AN ASSISTANT, IF YOU WANT ONE Ask about your own numbers in plain words: "what can I spend this week?" It runs on Apple Intelligence on your iPhone, on your server's assistant, or with your own API key from an AI provider you choose. It asks before sending figures to any provider, and asks before adding anything. You never have to use it. PRICING Free to download. When you start your own books, take the free 21-day trial, then unlock Coffernest with a one-time purchase. No subscription, nothing to cancel. After the trial, everything stays visible and you can still export or delete it; you just can't add, edit or sync entries until you unlock. On a family server only the admin pays. The people they add use Coffernest free. Sample data is always free. GOOD TO KNOW Free to spend, loan estimates, payoff plans and tax figures are worked out from what you enter. They're estimates to help you plan, not financial advice. Privacy policy: https://coffernest.vkfolio.com/privacy Terms of use: https://coffernest.vkfolio.com/terms Source code: https://github.com/vkfolio/coffernest