No. 118of 181 ·Personal Finance Software

Coffer

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Freedom report

Two barsScore 6.1

Free tierA free tier is on its own pricing page
Runs widely1 of 6 device platforms
DocumentedPlans, terms and facts published

Coffer is ranked #118 of 181 in personal finance software on Freedom251. It runs on Web. There is a free plan.

Coffer plans and pricing

All plans

Free Free Core app · all thirteen sections · offline support · data export coffer.finance · 12 Oct 2026

Compared on personal finance software

Free plan: Yes
Budgeting tools: Yes
Bill tracking: Yes
Net-worth tracking: Yes
Account sync: manual
Report export: Yes

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The record

Purpose: Coffer combines net worth, cash flow, bills, budgets, goals, taxes, and estate tracking in a personal finance dashboard.
Local storage: Financial data is stored in the browser’s IndexedDB and is not sent to a Coffer server.
Data entry: Users add transactions manually or import bank CSV files; Coffer does not connect to banks.
Finance views: The app includes thirteen sections, including accounts, transactions, bills, budgets, investments, taxes, credit, insurance, and estate.
Transactions: CSV imports use a four-step wizard, flag duplicates, and support bulk edits, splits, and refunds.
Budgets: Budgets support rollover or reset, monthly pacing, and copying from the prior month.
Bills: Coffer projects bills thirty days forward and shows potential shortfalls with suggested transfers.
Goals and debt: Goals support milestones, while debt tracking supports avalanche or snowball ordering and payoff projections.
AI integrations: Optional AI features can connect directly from the browser to Anthropic, OpenAI, or Google using the user’s API key.
AI privacy: AI is off by default, and the site says only prompts are sent off-device when AI features are used.
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.
Offline and PWA: Coffer is described as offline-first and installable as a progressive web app.
Export: The site says users can export their data as JSON or CSV.
Intended users: Coffer is presented for people who want a single personal finance dashboard and are willing to maintain their data manually.
Price from: Free

Where it ranks on Freedom251

Best Personal Finance Software in 2026#118 of 181

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Sources

coffer.finance· checked 12 Oct 2026