Coffret

Coffret is an expense tracker for tracking personal and business spending. Everything stays on your iPhone. 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 monthly subscription. Coffret asks for neither. You enter what you spend, and it 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 every tax field disappears. LOG AN EXPENSE IN SECONDS A keypad-first entry screen with a calculator built in, categories ordered by what you actually use, and sensible defaults for wallet and date. Record expenses, income and transfers between accounts. BUDGETS THAT WARN YOU EARLY Set monthly budgets by category and see how much is left, how many days remain, and where the month will land at your current pace — before you go over, not after. BUILT FOR SELF-EMPLOYED WORK - Flag expenses as tax-deductible, including partial percentages for mixed 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 at 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 receipt photos to any transaction, stored on your device. Set up rent, software 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 want, 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 at any time. LOCKED DOWN The database is encrypted at rest with SQLCipher. Lock the app behind Face ID, Touch ID or a PIN, and hide amounts in the app switcher. 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 network requests of any kind — it behaves identically in airplane mode. These are deliberate choices, not missing features. Terms & Conditions: https://coffret.myoptimizeinc.com/terms/ Privacy Policy: https://coffret.myoptimizeinc.com/privacy/