Local-first · No signup required

Know what you can
actually spend.

BlackSquad Budget brings your cash, bills, credit cards, debts, and goals into one practical view — so you can stop guessing before you spend.

Open BlackSquad Budget

No login Free forever Works offline CSV import Encrypted backups

Apr 23 – May 22Pay cycle

Safe to spend

$48,200

After obligations

Available cash

$126,400

On hand

Income

$210,000

This period

Card debt

$86,400

Due soon: $42,000

Upcoming obligations

Rent$120,000

Credit card statement$35,000

Loan payment$18,500

Food is spending fast — slow down to stay under budget.

The difference

A budget that understands the messy parts.

Credit cards are not cash. Card payments are not expenses. Savings labels do not always move money. Loan payments split into interest and principal. The app keeps those lines clear.

Safe to Spend

Not just your balance. Subtracts upcoming bills, card statements, loan payments, and obligations — so you know what's actually available before you spend it.

Credit cards handled right

Current balance, statement balance, due date, minimum payment, cash advances, and APR — tracked separately from cash so debt never gets confused with what's spendable. Import your card statement directly and let the app reconcile it. Your bank never connects to this app.

Private by design

No credentials, no scraping, no third-party access to your accounts. Everything lives in your browser. The architecture makes data leaks structurally impossible — not just a policy claim.

Getting started

Start simple. Get clearer every week.

No configuration required. A setup wizard walks you through everything from scratch.

Add your starting point

Enter accounts, cards, debts, goals, income, and recurring bills so the dashboard knows your real picture.

Record or import activity

Add transactions manually or import a CSV statement. Review everything before it touches your ledger.

Check Safe to Spend daily

Use the Overview daily. Safe to Spend shows available cash after obligations — so you can spend without fooling yourself.

What's inside

Practical tools without the financial noise.

BlackSquad Budget is built for people who want clarity, not another account to manage.

✓

Upcoming obligationsRecurring expenses, credit card statements, debt payments, and one-time reminders — all in one view before the period ends.

✓

Category targets & pacingCompare spending against the current period and catch fast pacing before it becomes an over-budget problem.

✓

Savings goals with pace trackingAdd target dates and see whether you're ahead, on track, behind pace, due soon, or past due.

✓

Debt tracking with contextEstimate interest, principal progress, payoff timing, and get flagged when a payment isn't covering monthly interest.

✓

Bank and credit card statement importImport bank and card statements in your browser, preview rows first, flag duplicates, and choose whether balances update. Tested with NCB (Jamaica) and FCB (Trinidad). Other CSV formats may work. More bank formats coming soon.

✓

Net worth over timeAssets minus liabilities tracked across periods — the number that tells you if you're genuinely getting ahead.

✓

Pay cycles, not just monthsBudget from payday to payday — weekly, biweekly, or semi-monthly. The app adapts to your income rhythm.

✓

Encrypted backupsExport regular or password-protected backup files. Restore on any device, any browser, any time.

✓

Optional encrypted syncKeep your budget in sync across devices with an optional encrypted sync adapter. Your passphrase stays on your device — the server never sees it.

Built different

We built it so we'd never need to see your data.

Most finance apps want your bank login. Some store your transactions on their servers. BlackSquad Budget works differently — by design, not by policy.

Everything lives in your browser's local storage. Nothing is sent anywhere without encryption. There is no account to breach. If we shut down tomorrow, your data is still there — in a backup file on your own device. If you add optional sync, your encrypted copy on the server is doubly protected by your passphrase.

That's not a feature we added. It's the foundation we built on.

Data stored in browser localStorage · Backup to a file you control · Optional encrypted sync · No telemetry · No analytics · No ads

Data stored on your device

Backups saved to your files

Works without internet

Statement imports processed in your browser

Open the app and start using it

Optional encrypted multi-device sync

Unencrypted server storage

Bank login or credentials

Analytics or tracking

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Know what you canactually spend.