One File · Powerful money tracker
Every asset.
Every liability. Every month.
A net-worth tracker in one HTML file. Monthly snapshots, FIRE-progress gauge, year-on-year comparisons — for the household serious about wealth-building.
One payment · Yours forever · 14-day refund
- Works fully offline
- Installs as an app (PWA)
- No account, ever
- Yours, forever
Loads once, never needs the internet again. On a plane, in a basement, in a foreign hotel.
Every entry, every chart — stored locally. We never see it. We can't.
No subscription. No upgrades. No re-up next year. One file, yours.
Why track
Why net worth is the only number that matters.
Income tells you flow; net worth tells you direction.
Year-on-year is the honest gauge.
Did your wealth grow this year vs. last? The dashboard banner answers in one line.
FIRE math built in.
Annual spend × 25 (the 4% rule) = your FIRE number. Tier card runs Coast → Lean → Standard → Fat FIRE automatically.
Monthly snapshots compound into a decade chart.
Each month: take a snapshot. Five years in, the trajectory is real and motivating.
Asset-by-category donut keeps you balanced.
60% in property is a lot. 90% is a problem. The donut surfaces concentration without judgement.
stocks, pension, property, crypto, vehicle
two years of monthly trajectory
no recurring fee, ever
your wealth, your business
Inside the file
Eight things you'll use every day. Plus a dozen more.
One file. One dashboard. Every feature you'd expect from a "real" app — without the cloud, the cookies, or the £8/month.
Quick add
Take a snapshot from the home screen — three taps and back to your day.
Live insight banner
The single number that matters today, computed in real time from your entries.
Tier progression
Lifetime totals roll into satisfying tier badges as you log.
Assets by category
Visual split across categories so the pattern becomes obvious without squinting.
Searchable, sortable list
Every entry findable in seconds — search across notes, sort by anything.
Free-form notes
A textarea per entry for the things that don't fit a field.
PNG share cards
One-tap share card of your stats, ready for Instagram or a group chat.
Cross-entity links
Reference one entity from another — relationships stay intact across edits.
Offline, always
Loads once, runs forever without a network connection.
Installs as a PWA
Add to home screen — opens like any native app.
CSV in / CSV out
Bring your old data in. Take everything with you. No lock-in.
No account, ever
No email, no signup, no analytics, no third-party tracking.
Yours forever
If we vanish tomorrow, your tracker keeps working — local file, no server.
Light + dark
Auto-follows the system. Or pick one and stick with it.
Today
Today, at a glance.
The home screen pulls together what just happened and what's coming up — clean enough to actually look at every morning.
- Live insight banner — your unique angle, computed from your entries
- Four-tile stat grid surfacing the numbers that matter today
- Quick-add button — log without leaving the home screen
- Recent entries on the dashboard so the last log is one tap away
Assets
Every asset, in one place.
Name, category, current value per row. Sortable, searchable, groupable.
- Search across name, notes
- Sorted by current value (newest first)
- Group by category with one tap
- 4 fields per entry — the right amount of detail
Liabilities
Every liability, in one place.
Name, category, balance, interest rate (%) per row. Sortable, searchable, groupable.
- Search across name, notes
- Sorted by balance (newest first)
- Group by category with one tap
- 5 fields per entry — the right amount of detail
Snapshots
Every snapshot, in one place.
Date, net worth (auto), total assets, total liabilities per row. Sortable, searchable, groupable.
- Search across notes
- Sorted by date (newest first)
- 5 fields per entry — the right amount of detail
How it's different
What you give up vs. wealth apps. Bank-account integration.
Compared with bank-linked wealth platforms.
- Pricing modelPay once · $9.99£8 – £15 / month, forever
- Account requiredNoYes
- Bank-linked auto-aggregationNoYes
- FIRE-tier progressionYesOften paywalled
- Year-on-year comparisonYesYes
- Data stays on your deviceYesNo
- Survives the companyYesNo
The promise
Your wealth is yours.
Not a fintech's.
Offline, always
Open it once, never need the internet again. The file holds the whole app.
Local-first storage
Every entry stored in your browser, on your device. No server sync. No leaks. Nothing to breach.
One payment, forever
No subscription, no upgrade tier, no nag. If we shut down OneFileClub tomorrow, your file keeps working.
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.
Every view, light and dark.
A look at every screen across both themes — your tracker, populated.
Questions
Real answers, no fine print.
Does it pull from my bank?+
No — that needs account access we deliberately don't want. Manual monthly snapshots take 5 minutes and are arguably more reflective anyway.
What's the FIRE calculation?+
Standard 4% safe-withdrawal rate: FIRE number = your annual spend × 25. Set annual spend in settings; the gauge tracks net worth toward that number.
Where is my data stored?+
Locally, in your browser, on your device. Nothing is sent to OneFileClub or anyone else — there is no account, no cloud sync, no analytics.
Does it work offline?+
Yes. Once your personalised copy loads the first time, the entire tracker runs from a single HTML file. Airplane mode is fine.
What does 'personalised copy' mean?+
When you buy, OneFileClub stamps a private copy with your licence and deploys it to a unique URL just for you. You bookmark it, install it as an app, or save the file — and the file is yours, even if OneFileClub disappears tomorrow.
What is your refund policy?+
14 days, no questions asked. Email us, we'll process it and disable your private URL.
One payment.
A trajectory that compounds.
We'll personalise a copy and email you a private link. Take your first monthly snapshot tonight.
14-day refund · No subscription
