Questions

A free financial workspace: everything you own and owe in one place. You add your accounts, it keeps the running totals, and it shows you what is coming.

Yes. Free, all of it. There is no paid tier, no trial, no card to enter and nothing to cancel. It runs in your browser and stores everything on your device, so there is no server sending you a bill.

No. You add an account, then you add what you spent and what came in. The math behind it keeps itself straight; you never have to think about it, and there is nothing to balance at the end of the month.

The repeating part you set up once. Rent, salary, subscriptions and loan payments arrive on their own dates from then on, and you confirm, move or skip each one — or let a series settle itself the next time you open the app. Rules you write take another slice: a payment on your work side can copy itself onto your personal side, correctly, without you entering it twice. What is left to type is the part that was actually new.

One evening. It opens with a five-step setup — a side, a group, an account, a first transaction, done — and a set of starter categories you can rename or delete. From there you are looking at your own numbers, and you can add the rest as you go.

No. Open the address and start. There is no sign-up, no email to verify and no setup wizard for syncing. Connecting Google Drive later is the only sign-in there is, and it is optional.

No. Your transactions are kept by your browser, on your device. There is no NetCaptr server holding them, so there is nothing to leak, sell or subpoena. Neither the app nor this site runs advertising or analytics trackers.

In your browser's own storage on the device you are using. If you connect Google Drive, NetCaptr also keeps one backup file in your own Drive, in a private folder set aside for it. That is every copy there is.

Two things, and no more: enough to sign you back in without asking every visit, and one private folder of its own. It cannot see your documents, your photos or anything else in your Drive, and no other app can read that folder.

Syncing stops and everything on your device is untouched. The backup file already in your Drive stays where it is, because it is your file and NetCaptr has no way to reach in and delete it. To remove it, use Google's own account settings, which let you delete an app's hidden Drive data and take its access away.

It goes. Clearing site data, uninstalling or working in a private window removes everything you have entered, and there is no copy on a server to restore from. So before you rely on it, do one of two things: download a backup file, or connect Google Drive. A fresh install pulls your Drive backup back down when there is nothing on the device to overwrite.

Yes, whenever you like. One button downloads everything as a single readable file — every transaction, account, group, category, label, rule, budget and your dashboard layout. It is yours and it is plain text.

No. NetCaptr does not connect to banks, and it cannot read a file exported from your bank or from another budgeting app. The only file it opens is a backup NetCaptr made itself. Your history in another budgeting app, a bank download or a spreadsheet does not come with you: you start from today's balances and build forward. That is how it can promise nobody ever holds your bank login.

…you want your transactions to arrive on their own from your bank. Nothing here does that, and nothing is going to. What you get instead is that every number in it is one you put there on purpose, and that you know where all of it came from.

Each account is kept in the currency you pick for it, and there are 30 to choose from. NetCaptr does not convert between them, so a total that mixes currencies is a total of mixed units. If you keep money in more than one currency, read the totals per account.

No. The source is not published, so you cannot read it. What you can check without it: your transactions are in your own browser's storage, there is no NetCaptr server for them to be sent to, and the file you download is plain text you can open yourself.

Yes, and it is built for one rather than shrunk to fit. There is a bottom bar, a button for adding a transaction, and layouts made for a small screen. Add it to your home screen from your browser and it opens in its own window like any other app.

Yes, after the first visit. A plane, a tunnel or a dead connection changes nothing — it is running from your device either way.

Yes. Connect Google Drive on both and they keep each other up to date: NetCaptr uploads shortly after you change something and pulls the newest copy when you come back. It is a check-in rather than a live feed, so the two catch up when you next open one. Every upload reads Drive first, so your laptop cannot quietly wipe out your phone, and if the two really have gone different ways it stops and asks which one to keep. You can also turn it off and press the buttons yourself.

Yes. Put a cap on any spending category for a day, a week, a month or a year. Each row shows what you spent, what is left and the limit, turning amber at 75% and over at 100%. Open one and it shows which categories and which transactions filled it. It measures; it does not lecture you.

Yes, and it is one of the reasons to use it. You make a work side and a personal side, and each one has its own accounts, its own layout and its own colors. Switching between them changes everything on screen. When a payment genuinely belongs on both, one rule copies it across so you only enter it once.

What you tell it to, and nothing else. You write the rule: when a transaction looks like this, do that — change it, or copy it onto your other side, or stop the later rules running. Rules run before the transaction is saved, in the order you set. Nothing guesses, and nothing recategorizes your money quietly. The last 100 times a rule changed something are written down where you can read them.

Nothing of yours moves. It is already on your device, and in your own Google Drive if you connected it. Download the whole thing as one file any time you like. An installed copy keeps opening for as long as your browser keeps it. None of this is waiting on NetCaptr to still be here.

One person: John Erwin Fabre. He is reachable through his portfolio, and that is the route for questions about your data too.

John Erwin Fabre →

The roadmap page says what has shipped and what is being worked on, without dates.

Read the roadmap →