TPO Budget — Your money, your device.

What's inside

Everything you need.
Nothing you don't.

Nine years of personal finance best practices built into one local-first app — without the privacy trade-offs.

Encrypted by Default

AES-256 encryption with a key stored in your device's Secure Enclave. Not us, not anyone else — only you can read your data.

Biometric Gate

Face ID or fingerprint required on every open. A five-minute grace period means no friction when you're mid-flow.

Voice Logging

"Spent $14 at the coffee shop." TPO listens, extracts the transaction, and never stores the audio. Zero retention.

Guardian AI

An on-device financial assistant that knows your four walls, goals, and discretionary spending — and can simulate scenarios without sending data anywhere.

Encrypted Backup & Export

Back up to iCloud (iOS) or export to a password-protected ZIP. Your data leaves on your terms — readable only with your password.

Privacy Audit Trail

Every sensitive operation — import, export, integration — is logged locally. You always know exactly what happened and when.

Budgets & Recurring

Set budgets per category, automate recurring transactions, and let the rules engine handle categorization — all offline.

Investments & Net Worth

Track holdings across accounts. Optional live pricing fetches only ticker symbols — no account details, no position data sent out.

Household Sync

Pair devices on your local network via QR code. Sync happens over encrypted TCP — never through a third-party server.

See it in action

Every screen built
around your privacy.

Home · Light

Your next move, safe-to-spend, and debt-free date the moment you open the app.

Home · Dark

Your next move, safe-to-spend, and debt-free date the moment you open the app.

Pulse · Light

Four Walls, Goals, and Lifestyle at a glance — with a timeline of what needs attention.

Pulse · Dark

Four Walls, Goals, and Lifestyle at a glance — with a timeline of what needs attention.

Insights · Light

Income vs. expenses and category breakdowns, computed entirely on-device.

Insights · Dark

Income vs. expenses and category breakdowns, computed entirely on-device.

Accounts · Light

Net worth, cash, credit, and investments — every account in one private view.

Accounts · Dark

Net worth, cash, credit, and investments — every account in one private view.

Settings

Appearance, currency, privacy, and Pro modules — granular control over everything.

Privacy by design

Zero cloud.
Zero tracking.
Zero compromise.

Most finance apps are free because you are the product. TPO Budget has one business model: you pay for the app, we build the app.

No accounts required

Open the app and go. No sign-up, no email, no phone number.

No telemetry

We collect zero analytics, crash reports, or usage data without explicit consent.

No third-party SDKs

No Facebook SDK, no Google Analytics, no ad trackers embedded in the app.

Open data model

Export everything to CSV or an encrypted ZIP at any time. Your data is always yours to take.

Read the full privacy policy →

Early access

Be first to know.

TPO Budget is in final testing. Drop your email and we'll reach out when it's ready — no spam, one message.

Your money. Your device. Period.

Everything you need.Nothing you don't.