Every budget tool on Etsy is a Google Sheets file. BudgetOS is different — a complete browser-based finance dashboard built like a real app. 9 pages: Dashboard, AI Insights, Debt Payoff Planner (Avalanche vs Snowball), Savings Goals, Net Worth, Tax Estimator & PDF Report Export. One HTML file. Open in Chrome. No login. No subscription. Works offline. Your data never leaves your device. Built from scratch by a developer in Melbourne. 🇦🇺