Leftover: Offline Budget

How much is really left at the end of the month, once rent, loans, subscriptions and pay-later installments have gone out? Leftover tells you, from the statement your bank already lets you download. YOUR BANK IS NEVER LINKED No credentials, no aggregator, no server. Export your transactions as CSV or OFX from your bank's website, open the file in Leftover, and everything is analyzed on your phone. The app doesn't even have permission to access the Internet. WHAT LEFTOVER SPOTS FOR YOU • What's left to live on: income − fixed bills − pay-later installments due in the next 30 days • Your fixed bills: rent, loans, energy, internet and phone, insurance, subscriptions, transport — how often, and when the next one is due • Your pay-later plans: Klarna, Afterpay, Affirm, PayPal Pay in 4, Alma… grouped by purchase, with installments paid and what's still owed • Your balance day by day, days spent overdrawn, overdraft interest and bank fees • Everything due in the next 30 days • Cancelled subscriptions and paid-off loans • Where your money goes: your biggest everyday spending YOU STAY IN CONTROL Bank descriptions can be misleading: one tap fixes it. "It's over", "it was 10 installments", "that's not income", change a category… the numbers follow instantly. Pick the period too: full history, the last 3 months or exact dates. WHICH BANKS? Any bank that lets you export your transactions. CSV files (with or without a header) and OFX/QFX files are read automatically. Importing the same month twice never creates duplicates. PRIVATE BY DESIGN • No data collected or shared • No account, no e-mail • No ads, no trackers, no analytics • Your data stays in the app; "Erase my data" removes everything A demo account lets you try the app before importing your own statement. Leftover gives estimates to help you get organized; it is not financial advice. Free app, made independently. If it helps you, a donation at yassine-world.fun keeps it maintained.