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Vardan Verma
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All work05 / 08 · Personal finance

Coffer

Envelope budgeting without the account, the bank login or the server: every dollar is planned before it is spent.

Coffer, a private zero-based budget, on its made-up sample household: the month's money lands as a full-width ribbon of envelope colours on an emerald stage, an overspent Dining out envelope is covered with a swipe on iPhone, a sum is typed on the light-mode iPhone keypad, recurring bills show on the web app and iPhone, and the welcome screen's promise of encryption on the device. The opening ribbon is drawn from the web app's real ribbon data.
Film · 0:25
Fact sheet
Platforms
Web, iPhone, Mac
Imports
CSV, OFX, QFX, QIF, CAMT.053
Storage
Encrypted vault on your device

01The problem

Most budgeting apps connect to banks through aggregators that store credentials, keep financial history on someone else’s server, and charge a subscription that keeps climbing. When one shuts down, years of history can go with it.

02The engineering

Coffer is a zero-based budget for web, iPhone and Mac, with targets, rollover, recurring bills and imports from CSV, OFX, QFX, QIF and CAMT.053 bank exports. The budget is encrypted with a passphrase before it is saved, and it never leaves the device. The app runs entirely from static files, works offline and makes no network requests with budget data.

Bank export
Import
Ready to Assign
Envelopes
Encrypted vault
On your device

03The outcome

Every dollar planned.Nothing leaves your device.

AES-256-GCM vault · PBKDF2-SHA-256, 600,000 rounds
NextWarden
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