holdo
Personal finance, made simple

Manage your personal finance.

Holdo shows you, in one place, what you have, what you owe and where your money is heading. Free. No sign-up. Your data never leaves your device.

Start here

Takes about a minute. No account needed.

What is Holdo?

Holdo is a tool to look after your money. You write down what you own and what you owe. Holdo does the maths and shows you the big picture.

  1. 1Add what you haveCash, savings, investments, a house, a pension. In any currency.
  2. 2Add what you oweLoans, a mortgage, bills and monthly costs like rent.
  3. 3See where you standYour total worth today, and how it could look in 1, 5 or 10 years.

Your money is your business.

Holdo is built so that we cannot see your data, even if we wanted to.

  • No cookiesHoldo does not set a single cookie.
  • No trackingNo analytics, no ads, no third-party trackers.
  • No server storageThere is no database. Nothing you type is ever sent to us.
  • Everything on your deviceYour numbers stay in your own browser. Download a backup whenever you like.

Questions

Is Holdo free?

Yes. Free, with no account and no ads.

Where is my data stored?

Only in your own browser, on your own device. There is no server storage, so your numbers are never sent to us or to anyone else.

Can I connect my bank?

No, on purpose. You type in your own numbers, so no bank login is ever needed.

What if I clear my browser data?

Your Holdo data goes with it, because it lives in the browser. Use the JSON backup in the Insights tab to keep a copy, and import it to restore.

Does Holdo contact any other website?

Only if you press “Update rates”, which fetches today’s exchange rates. Nothing else is requested, and nothing you enter is sent.