Coffret - Private expenses Live

Coffret is an expense tracker for freelancers who also track personal spending. Everything stays on your phone. There is no account to create, no cloud to sync with, and nothing to sign up for. Most money apps want your bank credentials and a subscription. Coffret asks for neither. You enter what you spend, and the data stays in an encrypted database on your device — where you can back it up yourself, and where nobody else can reach it. BUSINESS AND PERSONAL, ONE APP Every transaction is marked business or personal. Switch the filter at the top of any screen to see one, the other, or both. If you only track personal spending, turn the business layer off and the tax fields disappear completely. LOG AN EXPENSE IN SECONDS A keypad-first entry screen with a built-in calculator, categories ordered by what you actually use, and smart defaults for wallet and date. Add income, expenses and transfers between accounts. BUDGETS THAT WARN YOU EARLY Set monthly budgets per category. See how much is left, how many days remain, and a projection of where the month will land based on your current pace — before you go over, not after. BUILT FOR SELF-EMPLOYED WORK - Flag expenses as tax-deductible, including partial percentages for mixed personal and business use - Track sales tax and VAT separately on business transactions - Set aside a percentage of every payment for tax and watch the reserve build - Group income and expenses by client project to see real profit per job - Log mileage with your own rate - Export a complete bundle for your accountant: ledger, deductible summary, mileage and receipt images REPORTS THAT ANSWER SOMETHING Spend by category with month-over-month movement, income against expenses over time, a daily spending heatmap, and per-project margins. RECEIPTS AND RECURRING Attach photos of receipts to any transaction, stored on your device. Set up rent, subscriptions and retainers once and let them post on schedule. YOUR BACKUP IS YOURS Because there is no server, the backup file is the safety net — and it belongs to you. Export a full backup whenever you like, or set it to run weekly. Restore shows you exactly what is in a file before anything is written. Export your ledger as CSV or a PDF report any time. LOCKED DOWN The database is encrypted at rest with SQLCipher. Lock the app behind your fingerprint, face or a PIN, and hide amounts when you switch apps. WHAT COFFRET DOES NOT DO It does not connect to your bank. It does not sync between devices. It does not run ads, collect analytics, or make any network requests at all — it works exactly the same in airplane mode. Those are deliberate choices, not missing features.