Deep-scan analytics
Income-to-destination Sankey flows, spending heatmaps, category trends, and period comparisons — instruments, not decoration.
Sankey flowsSpending heatmapPeriod compare
Open source · Local-first · AGPL-3.0
Your money, in clear orbit.
Token Circles is a precision instrument for personal finance — every account, budget, and goal on one calm, dark canvas. It runs entirely in your browser, no account required, and your data never has to leave your machine.
No account. No install. Your data stays in your browser.
The console
Your whole financial life on one screen.
The dashboard is a real instrument panel: net worth, savings rate, budget health, and where every token went this month — dark, precise, and instant. It runs entirely in your browser, no account required.
- Spending-by-category ring, updated as you type
- Budget alerts before you overshoot, not after
- Tabular, monospace numbers — money-grade legibility
Dashboard
Month Quarter Year
Net worth
€128,430
+2.1%
Savings rate
31%
+4 pts
Budget used
64%
on track
Spending by category
- Housing 32%
- Food 19%
- Savings 15%
- Transport 14%
- Leisure 12%
- Other 8%
Budget health
Groceries 72%
Dining 91%
Transport 48%
Dining is close to its limit
The instrument panel
One console — from your morning coffee to your retirement math.
Not a budgeting toy, not a spreadsheet. Every panel below is a real instrument in the app, drawn here in the same dark, precise language.
Dashboard at a glance
Net worth, savings rate, budget alerts, and a spending-by-category ring — the whole picture the moment you land.
Savings rateBudget alerts
Transactions, at speed
Income, expense, and transfers with categories, tags, and payment methods. Bulk edit and quick-add from anywhere.
Tags & methodsBulk edit
Budgets that roll over
Monthly category budgets with rollover and zero-based budgeting. Alerts fire before you overshoot, not after.
RolloverZero-based
Loans & amortization
Track loans and payments, with amortization for variable rates and prepayments, and a debt-distribution ring across them.
Variable ratesPrepayments
Bills & subscriptions
A calendar of everything recurring — bills, subscriptions, reminders — so nothing ambushes your balance mid-month.
RecurringReminders
Goals you can watch fill
Savings goals with progress rings that tier from red to violet as you close in, plus projections and milestones.
Progress ringsProjections
Progress worth returning for
Months tracked, thirty-four badges in four bands, a timeline of what you earned and when, and advice drawn from your own numbers. Worked out on your device, per profile.
34 badgesStreak recordYear in review
Bank statement imports
Drop a statement in and it recognises the bank itself — eight native importers, plus the YNAB interchange format that covers 145+ more. Transfers between your own accounts are paired up, not double-counted.
Auto-detect145+ banksLearns your rules
Portfolio telemetry
Track investments with live price lookup, merged buys, average cost, and an allocation breakdown beside your accounts.
Live pricesAllocation
A full calculator bay
Retirement, FIRE, compound interest, emergency fund, and rent-vs-buy — the long-horizon math, worked out visually.
FIRECompoundRent-vs-buy
Your data, always portable
CSV and JSON export of every table, PDF monthly and annual reports, and statement imports on the way in — eight banks natively, plus everything the YNAB interchange format covers. No export tax, no hostage data — leaving is always allowed.
CSVJSONPDFAGPL-3.0
Deep-scan analytics
See where every token flows.
Sankey flows trace income to its destinations. Heatmaps expose the shape of your spending week. Trends compare any period against any other. The same charts, dark and precise, live in the app itself.
Cash flow · March
income → categoriesSpending heatmap
Fridays run hot. Now you know.
Savings trend
+31% YoYThirty-four badges
A record worth coming back to.
Tracking your money earns badges — a month tracked, a quarter, a year, saving streaks, budgets held, a loan paid off. Four bands, from your first entry to a twenty-year ladder. The Progress page opens with a timeline of what you have earned and when, then the whole gallery.
Earned, oldest first
24 months tracked- Mar 2024 First entry
- Apr 2024 First budget
- May 2024 One month
- Jul 2024 A quarter
- Nov 2024 Goal reached
- Apr 2025 A year
- Oct 2025 Saver x6
- Apr 2026 Two years
Beginnings
6 badges · 1 ring- First entry
- First import
- First budget
- Named everything
- A goal in sight
- A hundred entries
Building
11 badges · 2 rings- One month
- A quarter
- Saver x3
- Held the line
- Goal reached
- The comeback
- Clean sweep
- Reconciled
- Ahead of plan
- The full picture
- A thousand entries
Mastery
13 badges · 3 rings- Half a year
- A year
- Saver x6
- Two years
- A perfect year
- Six months under
- Rainy day
- Debt free
- Every month of a year
- Three years
- Five thousand entries
- Ten thousand entries
- Own the stack
Legacy
4 badges · 4 rings- Five years
- Ten years
- Twenty years
- Twenty thousand entries
See your Progress page
Per profile, worked out on your device, and never taken away once earned. Import five years of statements and the history counts from day one. Each badge shares as a card.
Three ways to fly
Free in your browser. Free on your servers. Synced when you want it.
Local-first
Free
Runs entirely in your browser. No account, no server, no telemetry.
- Full app on IndexedDB, offline-capable PWA
- All budgeting, analytics & calculators
- PDF monthly / annual reports
- CSV / JSON export anytime
Beta
Cloud
From €3 / month · free tier included
Managed sync at tokencircles.com when you want your data on every device.
- Everything in Local-first, synced across devices
- Email reminders — budget alerts & spending reports
- Receipt storage · advanced tax & P&L reports
- REST API and an MCP server for Claude
Self-hosted
Free
Your own Cloudflare Worker + D1 + R2 — cloud features, your infrastructure.
- Runs on Cloudflare’s free tier
- Sync, reminders & receipts under your control
- AGPL-3.0 — inspect and modify everything
- Migrations, secrets & deploy guide included
Cloud plans fund hosting, sync, and receipt storage — the app never depends on them. AGPL-3.0, forever.
What the cloud costs
Four tiers. Each one adds to the last.
Annual billing works out at roughly two months free. Nothing here gates the app itself — Free is the whole instrument, on your own machine, forever.
Free
€0
forever
The whole app, on your own machine. No account, nothing to cancel.
- Every budget, chart and calculator
- Up to 2 profiles
- PDF monthly and annual reports
- CSV / JSON export of everything
Basic
€3 / mo
€30 / year
Your ledger on every device, and an API to reach it.
Everything in Free, plus
- Cloud sync across all your devices
- Up to 5 profiles / households
- Receipt storage — 500 per profile, 5 MB each
- Email reminders — 500 per month
- Advanced reports: tax summary and profit-and-loss
- API and MCP access — 2 tokens
Most complete
Advanced
€6 / mo
€60 / year
Room to grow, and imports that run without you.
Everything in Basic, plus
- Up to 10 profiles / households
- Receipt storage — 5,000 per profile, 25 MB each
- Email reminders — 2,000 per month
- API and MCP access — 10 tokens
- Imports that run on a schedule
Ultimate
€10 / mo
€100 / year
No caps to think about.
Everything in Advanced, plus
- Unlimited profiles / households
- Unlimited receipt storage — 50 MB each
- Unlimited email reminders
- Unlimited API and MCP tokens
- Priority support: a reply within 1-3 working days
Plans, prices and limits may change at any time during beta.
Ultimate "unlimited" usage is subject to fair-use limits.
Why trust it
Built like an instrument, licensed like a promise.
Local-first, honestly
The default mode stores everything in your browser. The entire API runs client-side against IndexedDB — no server round-trips, no account, nothing phoning home.
Open source, all the way down
AGPL-3.0. The frontend, the sync worker, the migrations — the same code we run is the code you can read, audit, and self-host.
Money-grade correctness
Balances are updated atomically and covered by test suites across every tier — because a finance tool that is 99% right is 100% useless.
No lock-in, ever
CSV and JSON export of everything, PDF reports you keep, and an import path in. Your ledger is yours; we just render it beautifully.
Questions
Before you board.
Is it really free?
Yes. Local-first and self-hosted modes are free forever under the AGPL-3.0 license — that is the whole app, every chart and calculator, on your own machine. The managed cloud is what costs money: €3 a month for Basic, €6 for Advanced, €10 for Ultimate, or roughly two months free on annual billing. Those fund hosting, sync, receipt storage and the email we send on your behalf.
Where does my data live?
By default, in your browser (IndexedDB) — it never leaves your machine. If you opt into cloud sync, it lives in a Cloudflare D1 database — ours on the managed cloud, or yours if you self-host.
Does it connect to my bank?
Not via live connections (yet) — you import statements instead, and it detects the format for you. Eight banks have native importers: Revolut, Wise, N26, Erste, PBZ, ING, Sparkasse and DKB. It also reads the YNAB interchange CSV, so exports from the open-source bank2ynab — which covers 145+ banks — come straight in, and anything else can be column-mapped once from Excel or CSV. Classification rules learn from your corrections, and moves between your own accounts are detected as transfers instead of being double-counted.
What do I need to self-host?
A free Cloudflare account. The backend is a Worker with D1 (SQLite) and R2 for receipts, and it fits in the free tier. The guide covers migrations, secrets, and deploys.
How is this different from YNAB or Actual?
YNAB is a paid, cloud-only methodology app. Actual is local-first budgeting. Token Circles is local-first and goes wider: budgets plus portfolio tracking, loan amortization, retirement / FIRE calculators, Sankey analytics, and PDF reporting — one instrument panel for all of it. Coming from YNAB? There is a native importer for your export.
What are the badges for?
They mark the thing that is genuinely hard about personal finance, which is coming back next month. Thirty-four of them in four bands — a first entry, a month tracked, a quarter, a year, saving streaks, budgets held, a loan paid off, and a twenty-year ladder at the top. They are worked out on your device, kept per profile, and never taken away once earned. Import five years of statements and your history counts from day one.
Is there an API?
Yes — a REST API and an MCP server, so Claude or any other MCP client can read and write your ledger. Mint a personal access token under Settings → API access and choose what it is allowed to do. It needs an account on our server, so it comes with the paid plans: two live tokens on Basic, ten on Advanced, unlimited on Ultimate. Self-hosters get it against their own worker.
Can I get my data out?
Always. CSV and JSON export of every table, plus PDF monthly and annual reports. No export tax, no hostage data.
Mission updates
One quiet email, now and then.
Releases, new instruments, and self-hosting notes. A few times a year — your inbox is a budget too.
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