Income and expenses
Record salary, freelance income, purchases, and other transactions with a date, category, amount, and currency. Review monthly income, spending, and net totals.
Private personal finance workspace
A private budget tracker for income, spending, and recurring bills.
Record the money coming in and going out, set monthly category budgets, and keep bill due dates visible. Your finance records stay in a passphrase-encrypted browser vault. StackCut does not connect to a bank account.
Manual tracking only: you enter the figures and decide when a bill is paid. StackCut does not move money, initiate payments, or verify transactions with banks or providers.
What you can track
Everyday money, organized in one place.
Monthly category budgets
Set a monthly limit for categories such as groceries, housing, transport, or utilities. See recorded spending, remaining budget, and progress at a glance.
Recurring bills and due dates
Save each bill's amount, frequency, category, and next due date. Marking a bill paid records the expense and advances the next date; it does not make a payment.
Budget rollover
Choose whether unused or overspent category budget amounts carry into the next month, so your plan can reflect variable expenses.
Savings goals
Set a target, record contributions, and estimate how many months remain at the monthly contribution you enter.
Net worth and debt planning
Enter asset and liability balances manually, view net worth by currency, and estimate debt payoff from an entered APR and monthly payment.
Projected monthly cash flow
Estimate month-end cash flow from recorded income, expenses, and next bill due dates. The estimate is not a bank balance or guarantee of available money.
Daily spending ceiling
Enter available cash, a protected buffer, and your next expected income date. StackCut subtracts unpaid bills and planned savings contributions before estimating a daily spending ceiling. It is not a live bank balance or a guarantee that funds are available.
Private by design
No bank connection. No automatic currency conversion.
Local encrypted vault
Your finance entries, bills, budgets, and subscription records are saved in the browser vault protected by your passphrase. The passphrase is not stored by StackCut.
Separate currency totals
Different currencies are shown separately in reports and budgets. No automatic exchange-rate conversion is applied.
Transparent exports
You can export your data as JSON. That downloaded file is plaintext and is not protected by the vault passphrase, so keep it private.
Questions and answers
Personal finance tracker FAQ
Does StackCut connect to my bank account?
No. StackCut does not connect to a bank or import bank transactions. You enter income, expenses, and bill details manually.
Does marking a bill paid send a payment?
No. Mark paid is a manual record-keeping action. StackCut records an expense and advances the bill's next due date, but it does not contact the provider, send money, or verify the payment.
Does StackCut convert currencies?
No. Monthly totals and budgets are grouped by currency. StackCut does not silently convert amounts using an exchange rate.
Where are my finance records stored?
Finance records are stored with subscription records in a passphrase-encrypted browser-local vault. JSON exports are plaintext and should be stored securely. See the privacy policy.
Can I carry unused budget money into the next month?
Yes. You can enable rollover on a category budget. StackCut carries unused or overspent amounts forward from the budget start month based on the transactions you enter.
Does StackCut show a live bank balance or automatically update net worth?
No. Net worth is based on asset and liability balances you enter and maintain manually. Cash-flow projections use entered transactions and bill due dates; they are not live account balances.
Are debt payoff dates guaranteed?
No. The estimator uses the balance, APR, and monthly payment you enter. Lender fees, rate changes, payment timing, and other terms can change the actual result.
How does the daily spending ceiling work?
You enter your available cash, protected buffer, and next expected income date. StackCut subtracts active unpaid bills due before that date and planned savings contributions in the same currency, then divides the remaining amount by the days until expected income. Amounts in other currencies are shown separately. This is a planning estimate, not a bank balance or guarantee of funds.
Start with a clean view
Bring your bills, budgets, and subscription costs together.
Open the private workspace to start entering your records. No bank account is required.