Pay off debt and build savings, one small move a week
Stage
Not given
MVP
Founded
Not given
Not given
Based in
Not given
Not given
Pricing model
Freemium
Free
Pricing
Free: $0/forever with 1 worksheet, desktop app (offline), and all core features. Premium: $6/month (billed yearly at $72/year or $9/month), includes unlimited worksheets, cross-device sync, mobile app access, web and desktop access, and priority support. 30-day free trial available with no credit ca
Free during beta period
Key features
Continuous timeline view of past, present, and future financial life
Automatic projection of recurring income and expenses
Multi-currency and cryptocurrency support
100% offline desktop app with optional encrypted sync
Cross-device sync for Premium users
CSV and JSON import and export with no lock-in
Mobile app for quick transaction capture
Works on Web, Windows, macOS, Linux, iOS, and Android
No signup or bank credentials required to start
One small weekly move picked from your spending categories
Rock visualization showing progress toward debt payoff or savings goal
Gamified motivation with an ox character that represents momentum
No budget categories or envelopes to manage
Flexible missed week handling with consistent targets
Debt mode for paying off debt
Saver mode for building emergency funds
What makes it different
No signup, no bank linking, and works completely offline without any data selling or tracking
Automatic recurring transaction projection so every future date shows your actual expected balance
Single continuous timeline showing entire financial life instead of pages or months to click through
Full data ownership with import/export in CSV and JSON preventing any vendor lock-in
One single actionable move per week instead of complex budgeting
Gamified approach that makes progress visible and motivating
Designed specifically to fill the gap between noticing financial stress and taking action
Works without bank connections and can be cancelled anytime
TinyCashflow
Debtox