One File Money · Powerful budget tracker
Your money.
One file. No bank login.
A complete personal-finance tracker in one HTML file. Bills, subscriptions, spending, savings, investments, mortgage, and debts — all on your device. No bank password handed to a startup. Buy once.
One payment · Yours forever · 14-day refund
- Works fully offline
- No bank login, ever
- Multi-currency aware
- Discreet mode + dark mode
Plaid? Open banking? None of it. You enter, it tracks.
Every figure stays on your phone or laptop. Nothing is sent.
No subscription, no upgrades, no 'premium' tier.
Why log
Four reasons people who actually keep their money never stop tracking.
A budget tracker isn't admin. It's the difference between drift and decisions.
What gets tracked, gets cut.
The tools that read your bank don't actually save you money. You only stop paying for the gym you don't use after you see it on its own line, every month.
Net worth is the real score.
Income is a stat. Net worth is the truth. A tracker that subtracts debts from assets — and updates as you log — is the only number that matters in the long run.
Free trials are the trap.
Every paid subscription started as a free trial. A tracker that surfaces deadlines before auto-charge is worth more than its price the first month.
This data is private.
Your salary, your debts, your savings goal for that house — that belongs on your device, not in someone else's S3 bucket.
Inside the file
Eight numbers that decide your month. All on one screen.
One file. One dashboard. Every account, every bill, every goal — without handing your bank password to a startup.
Net worth
Assets minus debts at a glance — updated as you log.
Subscription audit
Every recurring charge, with optional/active labels and free-trial alerts.
Spending by category
Groceries, fuel, transport — see where the month actually went.
Bills calendar
Payday, due dates, and overdue flags on a single month view.
Savings goals
Target, deadline, on-track or off-track — for every goal.
Investments
Cost basis, current value, gain/loss — without an API.
Mortgage
Balance, monthly payment, payoff timeline.
Debts
Total debt, min payments, and the order to pay things off.
Free-trial alerts
'Decide before they auto-charge.' One screen, every trial.
Discreet mode
Blur figures with one tap on shared screens.
Multi-currency aware
Pick your home currency, log in others.
Reports
Year-in-review export, by category and account.
Days-to-payday
Always one tap from the next paycheque.
CSV in / out
Bring in old spend logs, take it all with you.
from a real demo file — your number will vary
every utility, rent, insurance, kids club
no recurring fee, ever
personalised, deployed, yours forever
Subscriptions
Find the £490 a year you didn't know you were paying.
Every recurring charge in one list. Free-trial deadlines flagged before they auto-charge. Optional vs essential at a glance — and a number telling you exactly what cancelling the optional ones would save.
- Active vs cancelled, optional vs essential
- Free-trial countdown — 'decide before they auto-charge'
- Per-month and per-year totals
- 'Could save £X / yr' suggestion line
Spending
See where the month actually went.
Category-by-category breakdown of every transaction you log. Biggest single spend surfaced. A running list with date, merchant, category, and method — so the picture sharpens as the month progresses.
- Spending by category — Groceries, Fuel, Transport, Food
- Biggest single spend, called out
- Daily average + non-essential percentage
- Per-transaction list with merchant and method
Savings & investments
Goals that tell the truth, not just the target.
Every savings goal shows progress, deadline, and an honest on-track or off-track signal. Investments track cost basis, current value, and gain — without an API key or an open-banking handshake.
- Multiple savings goals, ranked by progress
- On-track / off-track based on time + amount
- Investment cost basis + current value + gain
- Per-month plan, summed across all goals
Mortgage & debts
The numbers that decide your decade.
Mortgage balance with monthly payment and payoff timeline. Total debt with minimum payments and the order to clear them. The two longest-running numbers in your life, finally on one screen.
- Mortgage balance + monthly payment + tracker
- Total debt + minimum payments / month
- Payoff timeline — when the noughts disappear
- Per-debt detail, sorted by what to clear first
How it's different
What most people use to track money today. And what you should use instead.
Compared with the spreadsheets and bank-linked subscription apps people typically reach for.
- PricingPay once · £7.99Free£8 – £15 / month
- Bank login requiredNoNoYes
- Data stored on your deviceYesYesNo
- Net worth (assets – debts)YesManualSometimes
- Subscription audit + auto-charge alertsYesNoSometimes
- Free-trial deadline trackingYesNoRarely
- Savings goals with on-track signalsYesManualYes
- Investments with cost basis + gainYesManualPremium
- Mortgage payoff modellingYesManualNo
- Bills calendar with overdue flagsYesNoSometimes
- Works fully offlineYesYesLimited
- Personalised, stamped copyYesNoNo
The promise
Your salary, your savings, your debts.
None of it is anyone else's business.
No bank, no API
There is no Plaid, no open-banking handshake, no scraping. You enter what you want tracked. We literally cannot see your finances — that's the design.
Discreet by default
One-tap discreet mode blurs every figure on shared screens. Dark mode for after-hours sessions. No notifications about money in front of strangers.
Yours, even if we vanish
Your personalised file works whether OneFileClub exists tomorrow or not. Save the HTML. CSV-export your history. It's a real thing you own.
Data does not sync automatically between phone and desktop
This is a local-first app — everything stays on the device you logged it on. To use it on both phone and desktop, use the built-in JSON or CSV export on one device and import on the other when you want to keep them in step.
Phone
Every screen, in your pocket.
Tap any screen to open it full-size. Swipe or use the arrows to move between them.
Questions
Real answers, no fine print.
Does One File Money connect to my bank?+
No — and that's the point. There's no Plaid, no screen-scraping, no read-only API tokens. You enter what you want tracked; nothing leaves your device. If your bank shuts down their open-banking API tomorrow, this still works.
Where is my financial data stored?+
Locally, in your browser, on your device. Nothing is synced to OneFileClub or anyone else. There is no account. Use the built-in CSV export for periodic backups so you never lose more than a session if you clear browser storage.
Does it work offline?+
Yes. Once your personalised copy loads the first time, the entire tracker — dashboard, bills, subscriptions, investments — runs from a single HTML file. Airplane mode is fine.
What can it actually track?+
Bills, utilities, subscriptions (with auto-charge alerts and free-trial deadlines), spending by category, savings goals, investments (with cost basis and gain), mortgage balance and payoff, debts and minimum payments, payday and bills calendar — and a single dashboard summarising the lot, including net worth.
Is it multi-currency?+
Yes. Pick a home currency, log transactions in others, and the tracker handles the conversion in your browser. Your home currency on the marketing site is set per the picker in the header.
Will it work for my country / tax setup?+
Probably. It tracks numbers, not tax codes — so it works the same in the UK, US, EU, Canada, Australia, and elsewhere. There is no tax calculation; it's an honest mirror of your inflows and outflows.
Can I sync between phone and laptop?+
Not automatically — that's the trade-off for being local-first. Use CSV export on one device and import on the other in seconds. Most people pick one device for daily logging.
What does 'personalised copy' mean for this tool?+
When you buy, OneFileClub stamps a private copy of the tracker with your licence and deploys it to a unique URL just for you. We email the link, you bookmark it or install it as an app — and the file is yours, even if OneFileClub shuts down.
Refunds?+
14 days, no questions asked. Email us, we process the refund and disable your private URL.
Your money.
One file. Yours forever.
We'll personalise a copy and email you a private link, usually within a minute. Bookmark it, install it, save the file. No account. No bank login.
14-day refund · No subscription
