What works offline?
Accounts, transaction entry, categories, budgets, recurring items, reports, and forward-looking calculations work from the local database without a connection.
Offline budget app
Updated July 15, 2026 · Simply Finance
Your budget should not disappear with the network.
Record spending, check balances, review budgets, and read your financial runway on a plane, underground, or anywhere a connection is unreliable.
Available now on iPhone & iPad
Available now on Google PlayLocal-first by default
The working ledger lives on the device. A server is optional transport between your devices—not the place your budget runs.
The local database is the app
Simply Finance does not need to fetch your ledger before it can show a balance or save a transaction. Your accounts, categories, budgets, recurring items, and reports are computed from data already on the device.
That makes ordinary use fast and predictable, and it limits the damage a service outage can cause: the app keeps working.
Sync is optional transport
Full Version can move encrypted changes between your devices. The recovery phrase supplies the key; the relay stores and forwards ciphertext it cannot turn into balances, merchants, or amounts.
If you prefer one device, leave sync off and export backups on your own schedule. Read the technical guide before choosing.
Where offline access earns its place
- Travel across unreliable or expensive networks.
- Use cash or banks that aggregators do not support.
- Keep a working ledger during a provider outage.
- Reduce the number of services holding financial data.
If bank feeds matter more than offline ownership, compare the trade-off on the no-bank-sync guide.
Offline budgeting questions
Is sync required?
No. Sync is optional. You can use Simply Finance on one device and export backups without enabling a relay.
What happens when I reconnect?
If optional sync is enabled, encrypted changes can move between your devices. The relay receives ciphertext rather than a readable ledger.
Does offline mean no backup?
No. You can export a backup yourself, and Full Version adds optional end-to-end encrypted device sync.
Keep the ledger with you
Install Simply Finance and start without an email address or bank connection.
Available now on iPhone & iPadAvailable now on Google Play