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.
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
A single HTML file. Open it in any modern browser — no installation, no online login, no cloud sync required. All data stays locally in your browser.
Stable Releases
Recommended for everyday use
EZBudget v3.5.3
Stable
Build 20260329-1131
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.
Fixed in v3.5.3:
Fixed in v3.5.3:
- Budget Planning — credit cards and loans were showing “Paid this period” after their interest/bill date rolled over. Paid status now resets correctly at each account’s billing cycle date (cycleDay), not at the start of the calendar month.
- Budget Planning — bills and credit accounts with a cycleDay now correctly display as payment due once their cycle date has passed, showing the next due date as configured in Accounts.
►
Past Stable Releases
EZBudget v3.4.7 Stable Build 0318-1254
Subscriptions & Insurance panel restored to Accounts page. Backup import/export fixes for subscriptions, snapshots, and account fields. New Purchase/Withdrawal account list corrected.
EZBudget v3.4.6 Stable Build 0314-1200
Dashboard credit card due warning suppresses correctly when bill is paid. Pay-by date calculated as 5 business days before due date.
EZBudget v3.4.4 Stable Build 0312-1326
Full personal finance suite. New: Import Backup at login for seamless device migration.
Test Releases
Preview builds — may contain bugs
EZBudget v3.5.2
Test
Build 20260322-0136
Changes in v3.5.2 test:
- Budget Planning billing cycle reset logic — promoted to v3.5.3 stable after fix confirmed.
►
Past Test Releases
EZBudget v3.4.8 Test Build 20260319-0912
Mark Paid reset on Interest Calculation Day for credit accounts. Full date format build prefix.
Test releases are development builds and may be unstable or incomplete.
Use stable releases for day-to-day personal finance tracking.
Always keep a backup of your browser’s local storage if you have important data saved.