Your Money, In Clear View.
A private, device-first financial cockpit for people who want one composed view of their money without giving up their data.
Manager combines the speed and simplicity of a device-resident ledger with optional zero-knowledge encrypted multi-device sync — no bank aggregators, no telemetry, no unencrypted uploads. Ever.
Consolidated Net Worth
$48,350.22
Income
$5,200
Spending
$3,140
Net Savings
$2,060
Next 7 Days
$612
Budget Pulse
Unlike traditional fintech apps, Manager was engineered so that privacy violations are structurally impossible — not merely promised.
Zero registration, zero email, zero server communication. The entire ledger lives in your browser's local storage — calculations, charts, and reports run 100% on your device, and everything can be erased in one click.
When you opt into multi-device sync, your vault key is derived in your browser via PBKDF2-SHA-256 (250,000 iterations) and used for AES-256-GCM encryption. The key never leaves your device — the server only ever stores ciphertext.
No Plaid. No Yodlee. No MX. No telemetry, no analytics pixels, no data brokers. Manager never scrapes your bank credentials and has nothing to sell — because nothing is collected.
A sleek sidebar on desktop, a thumb-reachable bottom bar on mobile. Every part of your financial life has a dedicated, focused workspace.
Consolidated net worth, monthly pulse metrics, budget progress, and next-to-settle feed — with one-click privacy masking.
Rapid entry, sub-millisecond in-browser search, granular filters, and inline tagging with up to 12 private tags.
Bank, cash, credit cards, digital wallets, and foreign currency accounts across ~180 ISO currencies.
Category and tag-scoped limits with pace indicators that shift from mint to warning to over-limit.
Due-date scheduling with smart month-end clamping, manual confirmation workflow, and bulk settlement.
Cost normalization, renewal alerts within 7 days, and one-click cycle rollback for accidental payments.
A permanent audit trail of every bill and subscription payment, linked to its generated transaction.
Manual-by-default blueprints for regular income and expenses — no phantom background transactions.
Track stocks, mutual funds, gold, fixed deposits, crypto, and loans with automatic gain/loss calculation.
Six-month cash flow momentum, category allocation donuts, and tag spending clouds — all client-side.
JSON backup & restore, RFC 4180 CSV export, printable PDF reports, and a custom rate matrix.
TOTP 2FA with in-browser QR generation, anti-replay validation, and single-use backup codes.
Files from any financial institution are parsed entirely in browser memory — the raw CSV never touches the server. Smart header detection, duplicate skipping, and preview validation before import.
Built-in two-factor authentication compatible with Google Authenticator, Aegis, 1Password, and Bitwarden. QR codes generated fully client-side — the secret never touches third-party APIs.
If the browser crashes mid-write, Manager never overwrites your records. Corrupted data is automatically quarantined with a recovery banner to download the raw vault before resetting.
A consent-first feature, strictly disabled by default. When you explicitly request it, only a minimized aggregate summary is sent — no account names, payees, notes, or raw transactions. Ever.
Traditional fintech apps hold your balances in plaintext. Manager's two-derivation, two-salt architecture makes that impossible.
Because your encryption key is derived from your password, a server-side reset would irretrievably destroy access to your ledger. Manager doesn't sell the illusion — it offers four honest recovery pathways instead:
Offline JSON backups
Encrypted password-hint reminders
Single-use 2FA backup codes
Previous-password re-encryption
| Feature | Manager | Bank Apps | YNAB / Monarch | Spreadsheets |
|---|---|---|---|---|
| Privacy & data ownership | 100% private | Sells data | Aggregator access | Cloud-dependent |
| Guest mode (no sign-up) | Yes | Impossible | Account required | Account / license |
| E2E encrypted sync | Zero-knowledge AES-256 | Plaintext server-side | Server decrypts | Unencrypted drive |
| Multi-currency + manual rates | ~180 currencies | Single currency | Clunky | Manual formulas |
| Bills & subscriptions | Full tracking + rollback | Basic statements | Present | Manual |
| Tag-scoped budgets | Category or tags | Category only | Category only | Pivot tables |
| Local CSV import | 100% in-browser | Rarely supported | Server upload | Copy-paste |
| Self-hostable | PHP / LAMP ready | Proprietary | SaaS only | Local files |
| Recurring cost | Zero fees | Free via your data | $100–150/year | License fees |
Zero Composer dependencies, zero npm runtimes, zero build steps. Pure PHP 8.3+, MariaDB, and a lightweight .htaccess routing setup.
# CLI installer
php scripts/install.php
# Or open the guided web installer
https://your-domain.com/install.php
Runs smoothly on a personal VPS, Raspberry Pi, home server, or shared LAMP stack with Apache or Nginx.
CLI installer (scripts/install.php) or a step-by-step web installer at /install.php.
Zero surveillance. Zero bank scraping. 100% yours. Start in guest mode, sync privately when you want to.
