This month
Private financial control by ShareCapsule
Your money.
Your device.
Your control.
Plan income, spending, debt, savings and goals without giving ShareCapsule readable financial data. Compare your spending with transparent BLS-based regional and income peers, learn through the Financial Control Guide, build additional income projects, and optionally keep trusted devices synchronized with encrypted ciphertext only.
Zero readable cloud finance dataLocal-only is the default. Optional device sync transports encrypted vault ciphertext that the relay cannot decrypt.
AES-GCM encrypted vaultYour vault is unreadable without your passphrase.
No trackersNo analytics, ads, third-party scripts or financial-data aggregation SDKs.
You own the backupExport an encrypted backup file whenever you want.
Ticker WatchKeep preferred tickers on this device and review recent news tone, potential catalysts and SEC filings without uploading portfolio holdings.
Financial HealthCompare your local spending, cash reserve and debt signals with a transparent BLS-based peer estimate for your income level and Census region.
Financial Control GuideCredit, expenses, reserves, investing, retirement, protection, taxes and reviews.
Income Project LabChoose one realistic income project, track milestones and keep improving after launch.
Trust CenterSee methodology, privacy, security, sources and the product roadmap.
First time on this device
Create your private vault
Choose a strong passphrase. It never leaves this page and cannot be recovered by ShareCapsule.
Encrypted vault found
Unlock your finances
Decryption happens only in this browser tab. Your passphrase is never stored.
ImportantIf you lose the passphrase, the encrypted data cannot be recovered. Before moving to another ShareCapsule Finance domain, unlock this vault and use Export all records under Privacy.
Private financial command center
See the whole picture.
Everything below is calculated locally from the information you choose to enter.
Vault unlocked
Planner signal
What needs attention
Forward view
12-month cash projection
Money in / money out
Cash flow
Add transactions manually or import a CSV. Files are parsed on this device.
Add transaction
Recent transactions
| Date | Description | Category | Amount |
|---|
Give every dollar a job
Monthly budget
Set category targets and compare them with this month's actual spending.
Add budget category
What you own
Assets & net worth
Track balances manually. Do not enter account numbers, login credentials or other bank secrets.
Add asset
Reduce interest drag
Debt payoff
The planner ranks debt by APR for an avalanche-style payoff view.
Add debt
Turn intentions into numbers
Savings goals
Set a target and a monthly contribution to estimate your path.
Add goal
Deterministic, local guidance
Your financial action plan
This planner uses transparent rules and your local numbers. No financial data is sent to an AI service.
Planning guardrail
This tool is for education and personal organization. It does not know your complete tax, legal, insurance, investment or family situation and is not a substitute for a qualified professional when a decision has significant consequences.
Security center
Your privacy controls
Financial information should be treated as highly sensitive. Local-only remains the default; encrypted sync is optional.
Encrypted storage
The vault is encrypted with AES-GCM. The encryption key is derived from your passphrase using PBKDF2-HMAC-SHA-256 with a unique random salt. Only encrypted ciphertext, salt and initialization vector are persisted.
Optional zero-knowledge sync
When you enable device sync, the browser can connect only to the dedicated ShareCapsule sync relay. The relay stores encrypted vault ciphertext and cannot decrypt it without your vault passphrase.
Automatic lock
The decrypted working copy stays in page memory. To let the same browser tab move between ShareCapsule pages without asking for the passphrase again, the 256-bit vault key is wrapped locally with a non-extractable device key and kept only in session storage. The session expires after inactivity or when you press Lock vault; the passphrase itself is never stored.
No credential collection
Never enter bank usernames, passwords, card numbers, full account numbers, Social Security numbers or authentication codes here.
Export / import records
Before moving to a new ShareCapsule Finance domain, export one portable encrypted records file. It contains the encrypted finance vault and, when present, Income Lab progress. Your vault passphrase is still required on the new domain. Device-sync credentials are intentionally not exported.
Keep this file private and do not delete the old-domain data until you have imported and verified the new domain.
Erase this device
Permanently remove the local encrypted vault from this browser.