Open source · Local-first · AGPL-3.0
Your money, in clear orbit.
Token Circles is a precision instrument for personal finance — every account, budget, and goal on one calm, dark canvas. It runs entirely in your browser, no account required, and your data never has to leave your machine.
No account. No install. Your data stays in your browser.
The instrument panel
Everything on one console — from daily coffee to retirement math.
Not a budgeting toy and not a spreadsheet. Token Circles covers the whole flight plan: transactions in, analytics through, long-horizon planning out.
Transactions, at speed
Income, expenses, and transfers with categories, tags, and payment methods. Bulk edit, quick-add from anywhere (Ctrl+Shift+T), and per-account drill-downs.
Bank statement imports
Import Excel and Google Sheets with column mapping, or drop in Revolut, Erste, and PBZ statements — with classification rules that remember your corrections.
Budgets that roll over
Monthly category budgets with rollover, zero-based budgeting, and backfill from your actual spending history. Alerts before you overshoot, not after.
Deep-scan analytics
Income/expense Sankey flows, spending heatmaps, category trends, and period comparisons — instruments, not decoration.
A full calculator bay
Loan amortization with variable rates and prepayments, retirement, FIRE, compound interest, emergency fund, and rent-vs-buy.
Portfolio telemetry
Track investments with live price lookup, merged buys, average cost, and allocation breakdowns alongside your everyday accounts.
Bills & subscriptions
A calendar of everything recurring — bills, subscriptions, reminders — so nothing ambushes your balance mid-month.
Reports & clean exits
PDF monthly and annual reports, CSV/JSON export of everything. Your data is portable by design — leaving is always allowed.
Deep-scan analytics
See where every token flows.
Sankey flows trace income to its destinations. Heatmaps expose the shape of your spending week. Trends compare any period against any other. The same charts, dark and precise, in the app itself.
Cash flow · March
income → categoriesSpending heatmap
Fridays run hot. Now you know.
Savings trend
+31% YoYThree ways to fly
Free in your browser. Free on your servers. Synced when you want it.
Local-first
Free
Runs entirely in your browser. No account, no server, no telemetry.
- Full app on IndexedDB, offline-capable PWA
- All budgeting, analytics & calculators
- PDF monthly / annual reports
- CSV / JSON export anytime
Cloud
Free tier + paid plans (beta)
Managed sync at tokencircles.com when you want your data on every device.
- Everything in Local-first, synced across devices
- Email reminders — budget alerts & spending reports
- Receipt storage
- Advanced tax & P&L reports · multi-profile households
Self-hosted
Free
Your own Cloudflare Worker + D1 + R2 — cloud features, your infrastructure.
- Runs on Cloudflare’s free tier
- Sync, reminders & receipts under your control
- AGPL-3.0 — inspect and modify everything
- Migrations, secrets & deploy guide included
Cloud plans fund hosting, sync, and receipt storage — the app never depends on them. AGPL-3.0, forever.
Why trust it
Built like an instrument, licensed like a promise.
Local-first, honestly
The default mode stores everything in your browser. The entire API runs client-side against IndexedDB — no server round-trips, no account, nothing phoning home.
Open source, all the way down
AGPL-3.0. The frontend, the sync worker, the migrations — the same code we run is the code you can read, audit, and self-host.
Money-grade correctness
Balances are updated atomically and covered by test suites across every tier — because a finance tool that is 99% right is 100% useless.
No lock-in, ever
CSV and JSON export of everything, PDF reports you keep, and an import path in. Your ledger is yours; we just render it beautifully.
Questions
Before you board.
Is it really free?
Yes. Local-first and self-hosted modes are free forever under the AGPL-3.0 license. The managed cloud has a free tier; paid plans (in beta) fund hosting, sync, receipt storage, and advanced reports.
Where does my data live?
By default, in your browser (IndexedDB) — it never leaves your machine. If you opt into cloud sync, it lives in a Cloudflare D1 database — ours on the managed cloud, or yours if you self-host.
Does it connect to my bank?
Not via live connections (yet). You import statements — Excel, Google Sheets, or native Revolut / Erste / PBZ exports — with a column-mapping importer and classification rules that learn from you.
What do I need to self-host?
A free Cloudflare account. The backend is a Worker with D1 (SQLite) and R2 for receipts, and it fits in the free tier. The guide covers migrations, secrets, and deploys.
How is this different from YNAB or Actual?
YNAB is a paid, cloud-only methodology app. Actual is local-first budgeting. Token Circles is local-first and goes wider: budgets plus portfolio tracking, loan amortization, retirement / FIRE calculators, Sankey analytics, and PDF reporting — one instrument panel for all of it.
Can I get my data out?
Always. CSV and JSON export of every table, plus PDF monthly and annual reports. No export tax, no hostage data.