Now in Version 4 · Free Personal Finance Software
Personal finance,
made simple.
EZBudget is free, browser-based personal finance software. Track income, manage expenses, plan debt payoff and set savings goals — with no online login, no cloud sync, and no cost. Version 4 adds proactive coaching that looks ahead and tells you what to do next, and runs fully offline — nothing ever leaves your device.
100%
Browser-based
Free
Always
Zero
Ads or tracking
4
Currencies
What’s inside
Everything you need to
manage your money.
Dashboard
Net worth, upcoming bills, budget health score and cashflow forecast at a glance.
Debt Payoff
Avalanche and Snowball strategies with projected payoff dates and interest savings.
Income Tracking
Log pay stubs, freelance income and benefits with employer and tax breakdowns.
Budget Planning
Set category limits, track actuals vs. budget, and receive alerts before overspending.
Subscriptions
Track every recurring charge with billing reminders and start and end dates.
Tax Estimates
Canadian bracket calculations with CPP, EI, federal and provincial rates, and TFSA room.
Pay Stub Import
Upload a PDF or paste text — EZBudget extracts gross, net, taxes and deductions automatically.
Vacation Viability
Finds the best two-week windows to take a break without impacting debt payments or savings goals.
Privacy & Security
All data stays in your browser — no servers, no cloud sync, no online accounts. Your financial data never leaves your device.
Multi-User Profiles
Set up separate local profiles for each household member, each protected by their own PIN or password. Data stays private on the same device.
Dark & Light Mode
Full light and dark theme support with your preference saved locally.
Donation-based software
EZBudget is free.
Keep it that way.
EZBudget is built and maintained by CYBERACQ as free, donation-supported software. There are no subscriptions, no paywalls, no online logins and no ads — ever. If it has helped you get a handle on your finances, a small contribution helps keep development going.
0
0
Custom
Monthly
Donations processed by CYBERACQ via PayPal · No online account needed
Why donate?
- EZBudget has no investors, no subscriptions and no revenue — only the generosity of its users keeps it running.
- Every contribution directly funds development, hosting and new features.
- Donate any amount, one time or monthly — only if your budget allows it.
- Your financial health always comes first. EZBudget will tell you if your debt levels suggest waiting.
Vacation Planning
Plan a vacation without
derailing your finances.
EZBudget’s Vacation Viability tool analyses your complete financial picture — income, debt obligations, savings coverage and pay cycle timing — to find the windows when a two-week break is genuinely affordable, and warns you when it isn’t.
How it works
-
01
Models your true cost Calculates two weeks of lost net income, ongoing debt and bill obligations that still fall due, minus any accrued vacation pay your employer owes you.
-
02
Checks your savings buffer Compares total liquid savings against the minimum buffer needed to leave your regular payments unaffected while you’re away.
-
03
Scores every two-week window Each period in the next two years is scored based on payday proximity, how many bill due dates fall within it, seasonal spending patterns, and overall financial health.
-
04
Surfaces the best dates The highest-scoring viable window is highlighted on your dashboard calendar. Tap for a full ranked list with scores, blockers, and savings shortfalls.
What it analyses
- Lost income — two weeks of net pay foregone while away, offset automatically by accrued vacation pay from your employer.
- Ongoing obligations — minimum debt payments, subscriptions and fixed bills that continue regardless of your trip.
- Savings coverage ratio — whether liquid savings adequately cover the combined cost without dipping below a safe minimum balance.
- Pay cycle timing — windows just after a payday score higher because funds have already landed.
- Debt-to-income ratio — high debt loads reduce viability scores and surface as blockers you can address before booking.
- Seasonal spending — overlapping high-spend months (holidays, insurance renewals) are factored into the score.
Viability tiers
Viable
Savings cover the full buffer, monthly surplus is positive, and DTI is healthy. Safe to book with confidence.
Possible
Partial savings coverage or minor blockers present. Achievable with some planning — the app shows exactly what to address.
Aspirational
Significant blockers such as high debt or low savings. The tool tells you how far away a viable window is and what needs to change.
Viability score breakdown
75
✓ Savings cover 92% of buffer
✓ Window falls 3 days after payday
✓ Only 1 bill due during window
△ DTI at 89% — moderate
✕ No vacation pay on file
Scores update live as you add income, debt and savings to EZBudget.
Plan Your Vacation in EZBudget →
Free to use · No online login required · All calculations run locally in your browser
Download EZBudget 4
One HTML file. Open it in any modern browser — no installation, no sign-up, no cloud. Your data stays on your device, and v4 makes no network calls at all in normal use. Free, private, offline.
Stable Release
Recommended for everyone
EZBudget v4.0.3
Stable
Build 20261102-0219
EZBudget 4 is the biggest release yet — it grows from a tracker into a proactive money coach that looks ahead and tells you, in plain language, what to do next.
What’s new in v4:
What’s new in v4:
- Proactive coaching — a sign-in Recap of what’s due and whether you’re covered; a 🧭 Financial Direction guardrail that warns “at this pace you’ll come up short before a bill”; a spending watch; and encouraging, honest debt-payoff coaching.
- 🛟 Safety Net — builds toward a 6-month cushion, stricter while you carry debt, with reward goals that green-light a treat once you can truly afford it.
- Looks ahead — learns your yearly rhythm and flags a lean-income or expensive-bill month before it arrives, plus a Six-Month Glance (last 6 & next 6 months of income, expenses and debt).
- 🧮 Affordability — size a car, rent or mortgage against your real numbers.
- Vacation pay accrual & payout tracking, split-payment bills (e.g. insurance billed across several months), a credit-card headroom guardrail, and smarter forecasting for variable / flat-rate earners.
- Guided Setup Wizard and a hands-on animated Tour that runs on sample data.
- 🏦 Retirement guidance (new in 4.0.3) — extends the money waterfall one more step: debt → safety net → retirement. It green-lights retirement saving once you’re debt-free with a funded net, suggests a monthly amount, and nudges harder if you have no workplace pension (Canada: RRSP/TFSA order, with CPP/OAS as a base).
- 100% offline — no network calls during normal use (even the fonts are your system’s own); all math runs locally.
- Optional at-rest encryption — seal your records on this device with AES-256-GCM, keyed by your password (PBKDF2-SHA-512, 600k) with recovery-code escrow so a forgotten password can still be recovered. Exported backups are encrypted too.
- Never re-prompts a bill that’s already paid (double-payment safety).
- Accepts amounts pasted with commas or currency symbols (e.g. “1,560.74”).
- Honest debt-progress messaging — celebrates real balance movement, not just activity.
- The update check is opt-in, private, and only signals a genuinely newer stable version.
- Payment dates default to today again (4.0.3) — recording a bill no longer lands on a future due date.
- 200+ self-auditing money-math checks run on every launch to catch any regression.
►
Previous Release
EZBudget v3.6.1 Stable Build 20260523-1000
The final v3 release — full personal finance suite: dashboard, debt payoff planner, income tracking, budget management, subscriptions, tax estimates, pay-stub import, vacation viability, multi-user local profiles, dark & light mode. Kept here for anyone not ready to move to v4 yet.