See it in action
Screenshots from the Cloud / Local Edition — the full web-app experience shared by both editions.
NK Finance is a self-hosted personal finance tracker — net worth, budgeting, debt payoff, and cash-flow forecasting, running entirely in your own browser or your own free Firebase project. No bank connections, no data sold, no monthly fee. Pay once, own it forever.
NK Finance isn't for everyone, and that's on purpose. It's a good fit if:
No bank API connections, no "we sell anonymized data" fine print. Your financial data stays on your device or in a Firebase project only you control.
Mint is gone. YNAB and Monarch run €8-15/month, forever. NK Finance is one payment, yours for life — on every device you own.
If "self-hosted" sounds appealing rather than scary, this is for you. Want zero technical involvement instead? The Local or Printable editions need none at all.
Screenshots from the Cloud / Local Edition — the full web-app experience shared by both editions.
A live view of everything you own and owe, with trends over time.
Track bank accounts, property, investments, and loans in one place.
Log transactions and set category budgets to see where your money goes.
Cash-flow forecasting that projects your balances forward in time.
A debt-payoff and investment advisor built directly into the app.
Track your finances in the currencies you actually use.
Most finance apps ask for your bank login and centralize your data on their servers. NK Finance is built the other way around.
You enter or import your numbers. NK Finance never asks for banking credentials or API access to your accounts.
Sync runs through a free Firebase project only you create and control — not our servers, because we don't have servers that touch your financial data.
No account, no internet requirement after first load, no sync — everything stays on one device.
We don't keep a database of user financial data, because we never collect one in the first place.
Not sure which edition fits you? Start with the bundle — it's cheaper than buying two editions separately, and you can just use the one that clicks. Every edition is a one-time purchase — pay once, use it forever. No subscriptions, no recurring billing.
Every edition, one purchase — save over 40% vs. buying separately.
The full app, synced across your own devices via your own free Firebase project.
Same full feature set, zero setup — everything stays on one device.
A ready-to-use Excel / Google Sheets template for hands-on budgeters.
Print-ready PDF worksheets for a pen-and-paper approach to your finances.
All prices in EUR, one-time payment. Digital delivery is instant — see Terms & Refund Policy below.
No. Setup is copy-paste steps in the included guide — about 10-15 minutes, no coding. If you can create a free Google account, you can set this up.
You don't pay for Firebase — Google's free tier comfortably covers personal use for this app. There's no subscription anywhere in this product.
Yes — if you start with Local or Spreadsheet and later want Cloud sync, just buy the Cloud Edition, or get the Bundle, which includes everything.
Yes. Cloud Edition data lives in a Firebase project only you create and control. Local Edition never leaves your browser. We have no server that stores or sees your financial data.
Reach out and we'll review your case in good faith — see the Refund policy below for details.
Each NK Finance product is licensed for your own personal, non-commercial use upon purchase. You may install and use the product on your own devices. Redistribution, resale, or public sharing of the product files, spreadsheet templates, or PDF worksheets is not permitted.
All NK Finance products are delivered digitally and instantly upon successful payment, via download link and/or email from Gumroad, our payment and order-fulfillment provider. No physical goods are shipped.
The Cloud Edition runs on your own free Firebase project, which you create and control. NK Finance does not host, store, or have access to your financial data at any point. Real-time sync applies only across devices where you are signed in to your own project.
Because these are digital products delivered instantly, all sales are generally final. If a product is defective, doesn't work as described, or you believe you were charged in error, contact us and we'll review the request in good faith — reasonable refund requests made shortly after purchase are considered on a case-by-case basis.
By completing your purchase you acknowledge that digital delivery begins immediately and you waive your standard withdrawal period for this reason, in accordance with applicable digital-content regulations.
NK Finance is a personal tracking and organization tool. It is not licensed financial, investment, tax, or legal advice, and the built-in debt-payoff / investment advisor provides general suggestions only, not personalized professional advice.