Your Money. Your Privacy. Your Control.

The only financial platform that never sees your data. Zero-knowledge architecture ensures your transactions stay on your device—we process everything locally in your browser.

Start Free - No Account Needed See How It Works

Zero-Knowledge

100% Local Processing

No Bank Connections

Processing locally

Monthly Budget

$4,250

Savings Rate

23.5%

Net Worth

$47,892

Debt Freedom

18 mo

Upload Status

✓ Transactions processed locally

Privacy by Design, Not Limitation

Manual uploads aren't a limitation—they're liberation from data harvesting. Every feature is built to keep your financial data under your complete control.

Manual Upload by Design

Upload CSV, OFX, or QFX files on your terms. We process everything in your browser—your data never touches our servers. This isn't a limitation; it's liberation from data harvesting.

Passkey Authentication

Sign in with Face ID, Touch ID, or Windows Hello—no email required. For maximum privacy, skip traditional signup and go passkey-only. Your choice, but we recommend the path that shares the least.

Smart Credit Card Management

Track multiple cards, manage billing cycles, calculate interest, and optimize payments. Advanced features that rival any bank app—without the bank seeing your data.

Comprehensive Budgeting

Create detailed budgets, track spending by category, and monitor progress in real-time. Zero-based budgeting, envelope method, or custom—all processed locally.

Debt Snowball Calculator

Strategic debt payoff planning with multiple strategies. See how extra payments accelerate your path to freedom. All calculations happen in your browser.

Loan & Mortgage Tools

Reality Check Mode uses your actual financial data to show what you can truly afford. Wealth Impact Mode compares financing strategies for long-term prosperity.

Fair Pricing for Powerful Features

We charge for value, not for your data. Our business model is simple: you pay for premium features, we never monetize your information.

Free

$0/month

Perfect for personal budgeting

✓ 3 bank accounts
✓ 3 debts to track
✓ 4 budget categories
✓ 500 transactions/month
✓ 3 months data history
✓ Basic reports
✓ No account required

Start Free

Premium

$7.99/month

Perfect for power users

✓ Unlimited accounts
✓ Unlimited debts
✓ Unlimited categories
✓ Unlimited transactions
✓ Full data history
✓ Advanced analytics
✓ Loan calculators
✓ Priority support

Go Premium

Family

$12.99/month

Perfect for households

✓ All Premium features
✓ Share with 3 users
✓ Shared budgets & goals
✓ Family spending insights
✓ Individual & combined views
✓ Parental controls
✓ Family goal tracking

Start Family Plan

Zero-Knowledge Means We Can't See Your Data Even If We Wanted To

We've built BalancePoint so we literally cannot access your financial data. Everything happens in your browser using client-side encryption and processing.

No third-party integrations. No Plaid. No Yodlee. No data brokers. Just you and your financial information, exactly as it should be.

What We Never Collect
IP addresses, financial data, transaction history, banking information, usage analytics, behavioral tracking

What We Collect (Minimal)
Only subscription status for paid users. With passkey-only signup, we don't even need your email.

Our Privacy Promise

✓ Never store your financial data on our servers
✓ Never integrate with third-party financial services
✓ Never monetize your information
✓ Always be transparent about data collection
✓ Always prioritize your privacy over convenience
✓ Always maintain a genuinely useful free tier

Frequently Asked Questions

Clear answers about our privacy-first approach

Why can't I sync my bank account? ▼

We don't sync with banks because third-party services like Plaid harvest and sell your data. Manual upload is the only way to guarantee privacy. It's not a limitation—it's liberation from data harvesting. You verify every transaction, maintaining complete control over your financial data.

Is manual upload secure? ▼

More secure than bank syncing. Files are processed entirely in your browser—we never see them. Your financial data never touches our servers, eliminating the risk of data breaches, third-party access, or unauthorized monitoring. You maintain complete control over what data enters the system and when.

What's zero-knowledge architecture? ▼

Zero-knowledge means we've built BalancePoint so we can't see your data even if we wanted to. Everything happens in your browser using client-side processing. Our servers only handle subscription management for paid users—never your financial information. It's mathematically impossible for us to access your data.

Do I need to create an account? ▼

No! The free tier works completely without an account—just visit the app and start tracking. If you want premium features, you can create an account with just a passkey (no email required) or use traditional email/password. We recommend passkey-only for maximum privacy.

Why do you charge when others are free? ▼

Because we don't sell your data. "Free" finance apps make money by harvesting and monetizing your financial information. Our subscription model keeps us independent and your privacy intact. Plus, our low infrastructure costs (we don't store your data) mean we can offer fair prices and a genuinely useful free tier.

What file formats do you support? ▼

We support CSV, OFX, QFX, and QIF files—the formats most banks provide for transaction exports. Our intelligent import system automatically detects transfers vs income/expenses, identifies duplicates, and learns from your categorization patterns. Everything is processed locally in your browser.

How do you handle payment processing? ▼

For subscriptions, we use Stripe—a trusted (enough) payment processor that handles billing securely. We never see or store your payment details. Stripe processes your payment information directly, and we only receive confirmation of your subscription status. Your financial transaction data from the app never touches Stripe or our servers—only your subscription payment is processed externally.