About — OwnYourMoney

Who we are

Most apps want your bank login. They charge monthly fees. They get acquired, shut down, or pivot — and your entire financial history goes with them. (RIP Mint, 2024. 30 million users left hanging.)

I'm not a startup chasing venture capital. I'm someone with credentials in financial accounting and business analytics who wanted a tool that actually respects the person using it.

OwnYourMoney is a spreadsheet. A real one. Download it, own it, use it forever.

What we believe

You should own your financial data. Not a SaaS company. Not an aggregator. You.

No bank logins. You enter your own numbers.
No subscriptions. Pay once, keep it.
No data harvesting. We never see your financials.
No app required. Excel or Google Sheets — that's it.

If a company can't tell you exactly what data they collect, that's not a privacy problem. That's a business model.

What you get

Four templates that cover your full financial picture: Monthly Budget, Net Worth Tracker, Annual Summary, and Bill & Subscription Calendar. Built for people who want to understand their money, not just track it.

Monthly Budget

Income vs. actuals with variance tracking

Net Worth Tracker

Assets minus liabilities, updated monthly

Annual Summary

Full-year breakdown for tax prep and reviews

Bill & Subscription Calendar

Never miss a payment or surprise renewal

One-time purchase. No renewal fees. Updates every year included.

Not working for you? Email us within 30 days. Full refund. No awkward conversation.

I built this because I'm tired of apps that treat your financial data like their product.