Anchr — Personal Finance
A free, offline-first budgeting tool that puts you in full control of every dollar — no bank connections, no subscriptions, no algorithms.
Works in any browser. Your data never leaves your device.
⬇ Download for offline use (desktop)Why Anchr
Most budgeting apps connect to your bank, automate everything, and leave you feeling like a passenger. Anchr is different — every dollar you distribute is a conscious decision.
No accounts. No servers. No bank logins. Everything lives in a single file on your device. Export a backup anytime.
You decide where every dollar goes — every time. Anchr doesn't automate your money. It helps you direct it.
Download once. Use forever. Anchr is free and donation-supported. No paywalls, no premium tiers, no ads.
The philosophy
Every letter stands for a habit that leads to financial stability — and Anchr is built to help you practice all five.
Decide where every dollar goes the moment it arrives. Expenses and goals split automatically based on rules you set — so nothing slips through the cracks.
See your full financial picture at a glance — what's funded, what's behind, and exactly how many months until each goal is reached.
Build better money habits over time. Every entry is a small act of financial self-care that compounds into real change.
Consistency beats perfection. Anchr is designed for daily use — fast to open, fast to log, fast to close. The habit of showing up is the whole game.
Watch your goals fill up. Earn XP when your bills are covered. See your projected finish dates move closer. Results you can actually feel.
Features
Set your expense-to-goals ratio once. Every amount you distribute splits instantly — expenses funded first by urgency, then goals by tier and target size.
Three tiers — Non-negotiable, High Priority, Nice to Have. Lower tiers absorb cuts first so your most critical goals stay on track no matter what.
Once your bills are covered, surplus flows into an XP pool. Assign points to goals and commit them like rewards — a surprisingly satisfying way to move money forward.
Log any spend against an expense bucket, a goal, or a custom description. Overage warnings tell you when you're exceeding a bucket — and give you options.
Anchr is a single HTML file. Open it in any browser — phone, laptop, desktop. Export your data as a JSON backup and import it anywhere. No install, no account, no internet required after the first load.
Who it's for
Managing a shared budget manually? Anchr's combined income model and proportional expense splitting was built for exactly this.
Input your actual income each time — no fixed assumptions. Every entry distributes to expenses and goals no matter the amount.
No financial jargon, no complex setup. Add your bills, add your goals, enter an amount. Anchr handles the rest.
Uncomfortable linking your bank to an app? Anchr never connects to anything. Your data lives on your device, full stop.
Anchr is free and always will be. If it's helped you feel more in control of your money, consider buying the developer a coffee. Every contribution helps keep the project alive and growing.
☕ Buy me a coffeeNo pressure. Seriously. Just download it and use it.