Freedom251 › Personal Finance Software
Coffer
What Coffer is
Coffer is a free personal finance dashboard for tracking money in one browser-based workspace. It brings together net worth, cash flow, bills, budgets, goals, taxes, investments, credit, insurance, and estate information across thirteen sections. You add transactions manually or import bank CSV files because Coffer does not connect directly to banks. Its CSV wizard has four steps, flags duplicates, and supports bulk edits, splits, and refunds. Budgets can roll over or reset, show monthly pacing, and copy the previous month. Bills are projected thirty days ahead, with possible shortfalls and suggested transfers. Goals include milestones, while debt tracking offers avalanche or snowball ordering and payoff projections. Data remains in browser IndexedDB rather than a Coffer server. The app is described as offline-first, installable as a progressive web app, and exportable as JSON or CSV. Optional AI connections use your API key and are off by default.
Who it suits
Coffer suits people wanting one personal finance dashboard who are willing to maintain entries manually. It also fits users who prefer local browser storage, offline access, and data export.
What it does well
- Covers thirteen personal finance sections
- Imports CSV files with duplicate checks
- Projects bills thirty days ahead
- Supports rollover and reset budgets
- Exports data as JSON or CSV
What to know first
- No direct bank connections
- Transactions require manual entry or CSV import
- AI features are off by default
Plans
| Plan | Billed and limits | Price |
|---|---|---|
| Free | Core app · all thirteen sections · offline support · data export | Free |
As coffer.finance lists them, read 12 Oct 2026. The maker's own page has the final word.
Verdict
Coffer combines broad personal finance tracking with manual data control and local browser storage. It is a fit for users comfortable maintaining their own records instead of linking banks.
Facts from Coffer's own pages
- Account sync
- manual · coffer.finance, 22 Sept 2026
- AI integrations
- Optional AI features can connect directly from the browser to Anthropic, OpenAI, or Google using the user’s API key. · coffer.finance, 12 Oct 2026
- AI privacy
- AI is off by default, and the site says only prompts are sent off-device when AI features are used. · coffer.finance, 12 Oct 2026
- Bills
- Coffer projects bills thirty days forward and shows potential shortfalls with suggested transfers. · coffer.finance, 12 Oct 2026
- Bill tracking
- Yes · coffer.finance, 22 Sept 2026
- Budgeting tools
- Yes · coffer.finance, 22 Sept 2026
- Budgets
- Budgets support rollover or reset, monthly pacing, and copying from the prior month. · coffer.finance, 12 Oct 2026
- Data entry
- Users add transactions manually or import bank CSV files; Coffer does not connect to banks. · coffer.finance, 12 Oct 2026
- Export
- The site says users can export their data as JSON or CSV. · coffer.finance, 12 Oct 2026
- Finance views
- The app includes thirteen sections, including accounts, transactions, bills, budgets, investments, taxes, credit, insurance, and estate. · coffer.finance, 12 Oct 2026
- Free plan
- Yes · coffer.finance, 22 Sept 2026
- Goals and debt
- Goals support milestones, while debt tracking supports avalanche or snowball ordering and payoff projections. · coffer.finance, 12 Oct 2026
- Intended users
- Coffer is presented for people who want a single personal finance dashboard and are willing to maintain their data manually. · coffer.finance, 12 Oct 2026
- Local storage
- Financial data is stored in the browser’s IndexedDB and is not sent to a Coffer server. · coffer.finance, 12 Oct 2026
- Multi-device transfer
- Users can export and import a compressed vault between devices, optionally encrypting it and sharing through AirDrop, Nearby Share, or another method. · coffer.finance, 12 Oct 2026
- Net-worth tracking
- Yes · coffer.finance, 22 Sept 2026
- Offline and PWA
- Coffer is described as offline-first and installable as a progressive web app. · coffer.finance, 12 Oct 2026
- Purpose
- Coffer combines net worth, cash flow, bills, budgets, goals, taxes, and estate tracking in a personal finance dashboard. · coffer.finance, 12 Oct 2026
- Report export
- Yes · coffer.finance, 22 Sept 2026
- Transactions
- CSV imports use a four-step wizard, flag duplicates, and support bulk edits, splits, and refunds. · coffer.finance, 12 Oct 2026
Where Coffer stands on Freedom251
- Personal Finance Software#75 of 181