Build your ark.
Weather any storm.

BudgetArk is a free, offline-first personal finance app for debt payoff, monthly budgeting, and investment projections. No subscription, no cloud, no tracking - your data stays on your device and goes nowhere else.

Get BudgetArk Explore Features
  • 🔒 100% offline & private
  • ⛵ Free forever
  • 🚫 No subscription

WHAT'S ON BOARD

Everything you need for the voyage

Debt payoff, budgeting, and planning for the future - all in one vessel.

⚓

Debt Tracker

Track every debt and crush it with Snowball, Avalanche, or your own custom payoff order. Due-date reminders keep payments on schedule.

💰

Monthly Budget

Track income, expenses, and category limits. A bill calendar shows what's due, what's paid, and what's coming next.

📈

Investment Projections

See where compound growth takes you over 10, 20, or 30 years - plus loan, mortgage, and refinance break-even calculators.

🛶

Build Your Ark

A milestone journey for your finances: lay the keel, patch the hull, stock the galley. Watch your ark take shape as your money does.

🧭

Captain's Course

Built-in lessons on debt, interest, emergency funds, and payoff strategy - plus a Ship's Log of achievements to earn along the way.

🤝

Partner Sync

Budget together. Pair with your partner's device and sync encrypted, directly over your own Wi-Fi - no server in the middle.

🔒

Privacy First

Everything is stored encrypted on your device and never sent to any server. Anonymous account - no email, no sign-up.

📤

Backups & Spreadsheets

Export encrypted backups or a full Excel workbook with live formulas. Your data is yours - take it anywhere.

MAKE IT YOURS

Nine themes. Your colors.

From warm parchment to deep space, 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.

Forest Gold · default
Neon Purple
Easy
Rose
Synthwave
Deep Forest
The Ark
Coral
Deep Space

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."
$0 free, no subscription, ever
0 servers your data never leaves your device
0 sign-ups no email, no account, no tracking

Ready to come aboard?

BudgetArk is now available on iOS - Android is on the way. Watch the news page for launch updates.

Download on theApp Store ▶ Coming soon toGoogle Play

Questions? Reach us at budgetark.support@gmail.com