SilentCanoe
SilentCanoe /
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Personal Finance Planner
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Free Personal Finance Planner — Works Offline

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All data stays entirely on your device — statements, goals, and plans are stored only in your browser's local storage. Nothing is sent to any server.

📂 Import Bank Statement

Upload a PDF bank or credit card statement to analyse your spending

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Drop PDF statement here

or click to browse

📈 Income & Planning

🗂️ Statement History

No statements imported yet

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Your Financial Dashboard

Import a bank or credit card PDF statement to see your spending analysis. Set income and goals in the left panel to start planning.

📂 Upload a PDF bank statement
📈 Set your monthly income & goals
🎯 Define per-category budgets
📊 See spending breakdown & insights

Frequently Asked Questions

What bank statement formats are supported?

The planner accepts PDF bank statements from most major banks (it extracts transaction data using pdf.js) as well as CSV files in standard formats. If your bank's PDF uses an unusual layout, the CSV import is a reliable alternative.

Is my financial data safe?

Yes — all processing is done entirely in your browser. Your bank statements, transactions, and budget goals are never uploaded to any server. The tool has no backend; everything runs locally using JavaScript.

What is the 50/30/20 rule?

The 50/30/20 rule is a budgeting framework: 50% of after-tax income goes to needs (rent, groceries, utilities), 30% to wants (dining, entertainment), and 20% to savings and debt repayment. The planner shows how your actual spending compares to this guideline.

Can I export my budget data?

Yes — you can export a categorised transactions CSV and a budget summary CSV for use in Excel, Google Sheets, or other tools. Your data is also persisted in your browser's local storage between sessions.

How does automatic categorisation work?

The tool uses keyword matching on merchant names and transaction descriptions to categorise spending into groups like Groceries, Dining, Transport, Health, Entertainment, and more. You can review and re-categorise transactions manually.