Free budget planner, expense tracker, and money manager that runs entirely in your browser — no credit card, no data sharing. Every major finance app (Mint, YNAB, Copilot) is a cloud database with a UI on top. Opulence Analytics is different: your numbers live in your browser, not our servers. ✓ Budget planner & expense tracker ✓ Net worth, portfolio & retirement modeling ✓ Tax planning with real 2025/2026 brackets ✓ Free forever — Pro adds bank auto-sync via Plaid