v1.0 · April 2026

The place you keep what matters.

Coffer is your personal CFO — net worth, cash flow, bills, budgets, goals, taxes, and estate, all in one quiet dashboard. Your data lives on your device. No accounts. No tracking. No cloud. Optional AI runs on a key you bring.

Open the app Take the tour
Offline-first No accounts Installs as PWA CSV in / CSV out
Net worth
As of April 18
1M3MYTD1YAll
$1,284,360
+$24,118 · 1.91%
30d high
$1,289,440
30d low
$1,251,802
12m return
+11.4%
All accounts up to date
Rent due in 4 days · Bills covered
— 01

Local-first.

Every dollar, every transaction, every goal lives in your browser. Nothing is uploaded.

— 02

You enter the data.

No bank linking. CSV import or quick manual entry. Categories become rules over time.

— 03

One place for the whole picture.

Cash, debt, property, investments, taxes, insurance, estate — under a single net-worth line.

— 04

AI you control.

Bring your own API key. Categorization, insights and reports — opt-in, per-device, no middleman.

— the dashboard

Thirteen views. One quiet room.

Coffer is built around thirteen sections — each a calm, editorial surface for a different part of your finances. Here are four of the rooms inside.

— budgets · cash flow

Know where the month went, on day eighteen.

Coffer pairs envelope budgets with a live cash-flow read. A pacing strip shows you what you've spent vs. what you should have spent at this point in the month — no charts to read between the lines of.

  • Rollover or reset. Carry unspent budget into next month, or start fresh.
  • Investable surplus. See what's actually left after every recurring obligation.
  • Copy from last month. Budgets shouldn't be a re-entry chore.
cash flow · april day 18 / 30
Money in$8,420.00
Money out$9,164.32
−$744.32
Net flow this month
Discretionary spend$1,892 / $2,800 · 68%
↑ 8% ahead of pace
— transactions

A ledger that gets quieter every month.

Drop in a CSV. Coffer maps the columns once, remembers the institution, and tags transactions using rules you build by example. Every "categorize this" turns into a rule that handles the next one.

  • Four-step CSV wizard. Upload → map → preview → commit. Duplicates flagged automatically.
  • Bulk edit. Select a stretch of "Trader Joe's" rows; reassign in one click.
  • Splits and refunds. One charge, two categories, no spreadsheet gymnastics.
recent · 47 transactions ± $3,418
thu · apr 174 txns · −$184
Whole Foods MarketCHASE …4419
Groceries −$87.42
Tartine BakeryCHASE …4419
Dining −$22.10
SpotifyAMEX …1003
Subs −$11.99
wed · apr 163 txns · +$3,558
Acme Inc PayrollCHASE CHK …8821
Income +$3,624.00
BARTCHASE …4419
Transport −$8.40
Bi-Rite MarketCHASE …4419
Groceries −$57.18
— goals · debt

The horizon, drawn to scale.

Set a target, link an account, and watch the line move. Goals support milestones; debts support avalanche or snowball ordering with a real payoff date. No motivational copy, just math.

  • Milestone ticks. See $5k, $10k, $25k come into view as you save.
  • Debt-free projection. Avalanche or snowball — Coffer prices both, you pick.
  • Monthly needed. Honest math: at this rate, you arrive on Aug 14, 2027.
savings goals · 3 active on track
Emergency fund
on track
$18,420 / $25,000 · target dec 2026
Remaining $6,580$680 / mo neededLinked: Ally Savings
Down payment
on track
$72,200 / $120,000 · target jun 2028
Remaining $47,800$1,820 / mo neededLinked: Vanguard Brk
— ai · opt-in

AI on your terms. Your key, your model, your device.

Most of Coffer's intelligence is plain math — anomalies, milestones, payoff dates. For the parts that genuinely need language understanding, you bring your own API key. Coffer talks to Anthropic, OpenAI, or Google directly from your browser. No middleman, no proxy, no aggregated logs.

  • Categorization fallback. When your rules don't match, Haiku tags the row — a tenth of a cent each.
  • Weekly reports. Sonnet or Opus turns the week's numbers into a readable narrative for the household.
  • Off by default. Skip it entirely. Coffer's pacing, anomalies and projections all work without an AI call.
settings · ai intelligence all keys local
— api keys
Anthropic
sk-ant-•••••••aJ4q connected
OpenAI
not configured add key →
Google AI
not configured add key →
— assignments
Categorization fallback
Haiku 4.5
Spending anomalies
Sonnet 4.6
Weekly reports
Opus 4.7
this mo · calls
412
this mo · cost
~$3.18
data sent off-device
prompts only
— bills · buffer

Every bill on a calendar. Every shortfall called out.

Coffer projects your bills account 30 days forward. If a bill won't clear, the day lights up red and tells you what to move from where.

  • Bills buffer. A live read on whether your bills account survives the month.
  • Recurring templates. Rent, utilities, insurance — set once, reasoned about forever.
  • Move-money hints. "Short $124 on the 22nd · move from Reserves."
April
$3,210 due · 1 short
S
M
T
W
T
F
S
30
31
1Rent
2
3Internet
4
5PG&E
6
7Payroll
8
9Spotify
10
11Auto ins
12
13
14Gym
15CC mid
16
17
18Payroll
19
20
21Storage
22Mortgage
23
24Phone
25
26
27
28CC end
29
30
1
2
3
Apr 22 · short $312 on Mortgage. Move from Reserves →
— how coffer is different

Not a Mint replacement. A quieter alternative.

Most personal finance apps want your bank credentials and your attention. Coffer wants neither. It trades automation for ownership — and with the time you save not arguing with broken sync, you actually keep up.

Feature
Coffer
Aggregators
Spreadsheets
Where data lives
Your device only
Their servers
A cloud drive
Bank credentials
Never asked for
Required
Not needed
Net worth, all-in-one
Built-in
Often paywalled
DIY
Bills, goals, taxes, estate
All thirteen views
Some, plus upsells
DIY
Categorization
Rules you build by example
Auto + corrections
Manual
Multi-device
P2P sync, end-to-end
Server-mediated
Whoever's got the doc
AI features
Optional · your key, your model
Their model on your data
None
Cost
Free · open source
$8–15 / mo
Free
Works offline
Always
Never
Sometimes
Export your data
JSON or CSV, one click
Limited
It's a CSV already
— sync, without the cloud

Two devices, one vault. No middle.

Pair your phone and laptop with a QR code. From then on, changes sync over an end-to-end encrypted channel — peer to peer, nothing stored on a server. The vault never leaves the devices that own it.

  • End-to-end encrypted. Keys live on your devices. Even if a packet were intercepted, it's noise.
  • Revocable. Lose a device? Drop it from the trust list and the vault closes to it.
  • Or don't sync at all. Single-device users skip this entirely. The vault still works alone.
Read the protocol
E2E LAPTOP PHONE NO CLOUD IN BETWEEN
↗ peer-to-peer • paired
— principle

Your money is private. Your records of it should be too.

built offline-first · open source · april 2026
— questions

Asked, answered.

Where exactly does my data live?
Inside your browser, in IndexedDB — a per-origin local database the browser provides. Coffer never sends transactions, balances, or any personal information to a server. There is no server. If you uninstall the app and clear site data, the vault is gone.
Does Coffer connect to my bank?
No — and it won't. Bank aggregators are the single largest privacy and breach surface in personal finance. Coffer is fully manual: import a CSV from your bank's website, or add transactions by hand. The trade-off is real, and it's intentional.
What about taxes, estate, insurance — is that real, or scaffolding?
Real. Coffer ships with thirteen sections: Overview, Accounts, Transactions, Bills, Budgets, Goals, Investments, Taxes, Credit, Insurance, Estate, Resources, Settings. Estate is a checklist + beneficiary registry; Taxes tracks quarterlies and document checklists; Insurance covers premiums and gaps. All offline.
How does multi-device work without a server?
Pair devices once with a QR code. From then on, the devices establish a peer-to-peer encrypted channel and exchange changes directly. Your data is never decryptable by anyone outside the trust list. Single-device users can skip pairing entirely.
What happens if I switch browsers, or lose my phone?
Export your vault any time as a single JSON file (or CSV, per table). Import it on the new device. We recommend exporting on a schedule — Coffer will remind you. Your data, in formats you control.
Is there AI? Where does it run?
Yes — and it works on your terms. Coffer ships opt-in AI for transaction categorization, spending anomalies, and weekly reports. You bring your own API key (Anthropic, OpenAI, or Google) and paste it into Settings; the key is stored in IndexedDB on your device alongside everything else. No middleman key, no proxy server, no aggregated logs. The bulk of Coffer's intelligence is still plain math — anomaly detection, debt payoff, milestone tracking — and runs without any AI call. Turn AI off entirely and Coffer still does its job.
How much does it cost?
Free, and open source. There's no premium tier and no upsell. If Coffer ever charges, it would be for an optional encrypted backup endpoint — and only as an alternative to JSON export, never as a requirement.
What if I just want a spreadsheet?
A spreadsheet is a great answer. Coffer is for people who want one too, but find themselves rebuilding the same dashboards every January. It's that — without the rebuilding.

The vault is local. The key is yours.

Open Coffer in your browser. Add an account. The dashboard fills itself out as you go.

Open the app Install as PWA
· no signup · no email · no cloud