Your accounts, kept where you can see them MONEY
A book of personal accounts that runs in this tab: transactions, transfers, budgets, statement import and reconciling.
Where the book is kept
In this browser's local storage, under the key obscura_money_v1. Nothing is sent anywhere.
Clearing site data deletes the book. Keep a file backup from the Export tab.
Where you stand
Each currency is totalled on its own. Nothing is converted.
Due, and waiting for you
A recurring entry falls due and is proposed here. Nothing is written to the book until you accept it.
Transactions
Search understands payee:tesco, cat:food, acct:current, >100, cleared:no and 2026-01-01..2026-03-31.
Add a transaction
Accounts
Every account has its own currency. An account with transactions in it cannot be deleted.
Add an account
Reconcile an account
Type the statement's closing date and balance, then tick off what it shows until the difference is zero.
Tick off what the statement shows
- Starting balance, from the last reconcile
- 0.00
- Ticked off here
- 0.00
- Which makes the account
- 0.00
- The statement says
- 0.00
- Difference
- 0.00
Budgets
One figure per category per month, in one currency, against what actually happened.
Reports
Spending by category
Money out less any refunds into the same category, for the period. Only categories with a net outflow appear.
Money in against money out, by month
Running balance
All accounts in this currency added together, on every day a transaction happened.
Payees by total
Recurring transactions
A definition, not an entry. When one falls due it is proposed on the Transactions tab.
Add a recurring transaction
Categories
Two levels: a group, and the categories inside it. A category in use cannot be deleted.
Import a statement
CSV from a bank or a spreadsheet, or OFX and QFX. The file is read here and is not uploaded.
Drop a .csv, .ofx or .qfx file here, or
Which column is which
What that gives
What the OFX file holds
Take the book out
Every figure is written from the whole number of minor units it is held in.
The book already in this browser could not be read
An encrypted backup
AES-256-GCM, keyed from your passphrase. Lose the passphrase and the file is gone.
Put a backup back
A JSON book or an encrypted backup. This replaces everything in the browser, so it asks first.
Drop the backup file here, or
Start again
Removes the whole book from this browser. There is no undo and no copy anywhere else.
Doing this often? For a business rather than a household, OBSCURA Books adds invoices, VAT returns and a balance sheet. On its own, US$4 a month; with everything else, US$9 a month or US$79 a year. 7 days free.