ASSET MANAGEMENT

Using it safely

• Do not enter card numbers, PINs, passwords, or bank-account numbers.
• Do not use it on shared or public devices.
• Deleting browser site data also deletes records, so keep JSON backups when needed.
• Backups contain plain text; store them somewhere private.

Examples and operating tips

Reconcile balances at the start of the month

Add bank, cash, e-money, and investments as asset accounts and enter verified balances. Choose one regular update date so comparisons remain consistent. Totals use entered balances and unpaid cards; decide your own closing convention because there is no bank synchronisation.

Record card purchases separately from repayments

Mark a purchase as credit card, then record the actual withdrawal as a card repayment. The configured closing date divides unpaid balances into confirmed and future amounts. Closing and debit dates and the debit account can be changed, but holiday adjustments, instalment fees, and cancellations are not imported. Prefer the card issuer's statement if figures differ.

Build a list for reviewing fixed costs

Register rent, communications, subscriptions, and other fixed costs beside expected salary. The 30-day estimate subtracts unpaid cards and fixed costs from current assets and adds expected salary. It is not a precise cash-flow, tax, interest, or variable-spending forecast; use it as a regular review aid.

Saving and deleting data

Asset accounts, transactions, salary plans, fixed costs, and card settings are held in Local Storage in the current browser. They do not sync to another browser or device. HTTPS and CSP protect transport boundaries but do not encrypt device storage, so avoid shared devices.

“Erase all data” in settings resets this tool. Deleting site data for play-workshub.com also works but may erase other tools on the same domain. Neither action can be undone; export JSON first when records matter.

For a new device, export JSON on the old one and choose Import on the new one. Import replaces rather than merges current data. Accepted backups are in the specified JSON format and no larger than 2 MB. They contain plain-text entries, so keep them private and remove unnecessary copies after transfer.

Reading the totals

Net assets and forecasts organise the numbers you enter. They are not checked against banks or card issuers, and omissions and differing update times remain in the result. Market prices, exchange rates, and tax are not calculated. Confirm important payments and investments with official statements or professional information.

Search and advertising

The finance app itself is excluded from search and contains no advertising or analytics. Public descriptions are kept on this separate page.

Frequently asked questions

Is payment or registration required?

No. The tool is free and creates no server account.

Can I use it on a phone?

Yes, but records belong to that browser and are not shared with another browser even on the same device. Store backups carefully in case the device is lost.

Does it connect to banks or cards?

No. All balances, transactions, card purchases, and repayments are entered manually. Never enter account credentials.

Where is data stored or sent?

Only in Local Storage in the current browser. There are no ads or analytics and CSP blocks external connections. Exported JSON goes to the browser's download location.

Can mistakenly erased data be restored?

There is no recycle bin or undo. A previously exported JSON file can restore the backup state, replacing current records.

Can it be used offline?

Calculations and storage are local, but offline use is not guaranteed. An open page may continue after disconnection; first load and reload require a network connection.

Related articles

• Record-keeping habits for sustainable household budgeting — Choosing an update day and reviewing figures without excessive effort.
• Thinking behind local-first design — Why device storage and manual backups were chosen, with cautions for use.