# Holdo

> Holdo (https://holdo.win) is a free, simple web app to manage your personal finance. You enter what you own (cash, savings, investments, property, pension, crypto) and what you owe (loans, mortgage, bills, monthly expenses), and Holdo shows your net worth, key financial metrics and a projection of the next 12 months to 10 years. It has no sign-up, no cookies, no tracking and no server storage: all data stays in the user's own browser.

## Key facts

- Purpose: personal finance manager and net worth tracker.
- Price: free. No account, no ads.
- Privacy: no cookies, no analytics, no third-party trackers, no server-side storage. Data is kept in the browser's local storage on the user's device only.
- Bank connections: none, by design. Users type in their own numbers, so no credentials are ever needed.
- Currencies: 29, with optional live exchange rates fetched only when the user presses "Update rates".
- Features: net worth overview, accounts and liabilities, allocation charts, interest and inflation projection, key metrics (debt-to-assets, cash runway, yield), export to PDF, Excel, CSV and JSON backup, import from JSON backup.
- Limitation: because data lives in the browser, clearing browser data deletes it. Users should export a JSON backup.

## Pages

- [Home](https://holdo.win/): what Holdo is, how it works, privacy and FAQ.
- [Open the app](https://holdo.win/app/): the finance manager itself.