SpreadForge Budget & Debt Master

Welcome to SpreadForge

Your complete personal finance command center.
Budget smarter. Crush debt. Build wealth.

🔒 Your privacy is guaranteed. Your financial data stays entirely on your device. No account required. Works fully offline. Export backups anytime.

Load Demo Data

Explore with sample budgets, transactions & debts

Your Profile

Your First Name

Please enter your name

Currency Symbol

Fiscal Start Month

Budget Frequency

Choose Your Budget Style

How would you like to approach budgeting?

Zero-Based Assign every dollar a purpose each month

50/30/20 Needs, Wants, and Savings split

Envelope Allocate cash to spending categories

Pay Yourself First Save first, spend the rest freely

Set Your Goals

Optional. You can always update these later.

Monthly Savings Goal

Emergency Fund Target

Debt Payoff Target Date