One-time purchase · No subscription ever · Windows Desktop · Currently in closed beta testing
127.0.0.1:8989 — Purseview
Purseview
📊 Dashboard💷 Income💳 Debts🏠 Mortgage🔮 Planner
Alex
Monthly take-home£2,800
Work expenses£45
Net remaining£2,755
Sam
Monthly take-home£2,100
Work expenses£20
Net remaining£2,080
Combined income
£5,255
Incl. £400 from Jamie
Total outgoings
£2,840
Debts £340 · Bills £2,500
Disposable income
£2,415
After all outgoings
Barclaycard
£95/month · 24.9% APR
£1,640
15 months
ℹ
ℹ Barclaycard — Breakdown
Monthly interest
£34.07
Total interest to pay
£235
Payoff date
Sep 2026
If you paid £120/month
11 months
💡 An extra £25/month could clear this debt around 4 months earlier and reduce interest by approximately £62.
Klarna — Sofa ⏰ BNPL
Interest-free until 14 Aug 2026
£480
47 days left
ℹ
Nationwide Building Society
Fixed 4.25% · Fixed until 14 Aug 2026
LTV 60%
Outstanding balance
£187,500
Property value
£310,000
Monthly payment
£1,050
Remaining term
22 years
Rate type
Fixed
Who pays
Joint
⚠ Remortgage alert — fixed rate ending soon
Shop around now to avoid SVR. 90-day window active.
74 days
Total to repay
£277,200
Estimated interest
£89,700
Equity
£122,500
Purchase Planner — New Car
🟢 Affordable
🔮
Purchase cost
£8,500
Spread over
12 months
Monthly impact
−£708/month
Min. buffer
£200 maintained
24-month projection
— Without purchase— With purchase— Buffer floor
Emergency Fund68%
£4,080 savedTarget: £6,000
Holiday Fund41%
£820 savedTarget: £2,000
House Deposit23%
£4,600 savedTarget: £20,000
Active Challenge
4p Daily Challenge
Day 152 of 365
£465.12 year-end target
⏰ BNPL Deadline — Klarna Sofa
✕
Today — £480 outstanding
14 Aug 2026 — Interest-free period ends
15 Aug 2026 — 39.9% APR kicks in on remaining balance
Payment scenario — to clear on time
£102.00 / month
Based on 47 days remaining across 1.5 months
⚠ Interest-free period ends in47 days
🔒 Data never leaves your device
💰 Pay once — yours forever
🏦 No bank connections
⚡ Works fully offline
🇬🇧 Built for UK households
Everything you need
Built around how households actually work
Every feature exists because an existing app didn't have it.
💳
BNPL Deadline Tracker
Buy Now Pay Later interest-free periods tracked with daily countdowns, payment scenario breakdowns, and alerts before the rate jumps. Never get caught out again.
Unique in the market
👫
Proportional Income Split
Bill splitting based on actual income — not a rigid 50/50. See instantly who's over or under contributing and by exactly how much. Works for any split percentage you agree.
Unique in the market
ℹ️
Debt Information Panel
Every debt has an ℹ button. Tap it and see total interest payable, projected payoff date, and exactly what increasing your monthly payment by even £20 would do to the timeline.
APR made real
📊
Snowball & Avalanche Strategies
Toggle between debt payoff strategies and see total interest saved and time-to-debt-free for each. Snowball wins on motivation, Avalanche wins on maths — you choose.
Visual comparison
🏠
Mortgage Tracker
Track your fixed rate end date and get a 90-day remortgage alert on your dashboard. Live LTV badge, repayment summary, and interest cost estimate so nothing sneaks up on you.
90-day alert
🔮
Purchase Planner
Planning something big? The crystal ball projects your finances with and without the purchase over 24 months. Green, amber or red score. Stack multiple purchases to see combined impact.
24-month forecast
📂
Bank Statement Import
Drop in a Monzo CSV — auto-detected and imported automatically. MiData format support (used by Santander, Lloyds, Halifax, HSBC, Nationwide, Barclays and more) is in active development. Map any other bank manually and Purseview remembers it permanently — set it up once, never again.
Auto-detection
🐷
Savings Challenges
The 1p, 2p, 3p, 4p and 5p daily savings challenges, each tracked as their own dedicated pot. Daily amounts calculated automatically with a projected year-end total — small habits that add up to a surprisingly large number.
Daily tracking
🔒
PIN Lock & Encrypted Backup
6-digit PIN lock with bcrypt hashing and 5-attempt lockout. Full encrypted backup and restore — PIN-derived encryption means your backup file is safe to store on a USB stick, Google Drive, OneDrive, or SharePoint.
Your data, your control
💸
Benefits & Tax Credits
Track Child Tax Credit, Universal Credit, Child Benefit, State Pension, workplace pensions and more as part of your household income. Every benefit type accounted for, feeding directly into your split calculation.
Full income picture
📋
Spending Log
Track discretionary spending with categories, filters, and per-person assignment. Import transactions from bank statements or add manually. See exactly where the money goes beyond the fixed bills.
Category filters
☁️
Google Drive & SharePoint
Connect a Google Drive or SharePoint folder as your import source. Drop bank statement CSVs into the folder and Purseview picks them up automatically — no manual file browsing needed.
Auto import
👥
Household Contributors
Adult children saving for a deposit? Lodger contributing to bills? Add them as contributors — their income folds into your household total and shows by name on the dashboard.
Any household setup
📱
Currently available on Windows desktop
Mobile apps are in development — Purseview is coming to both iOS and Android. Sign up below to be notified when mobile launches.
🍎 iOS — Coming Soon🤖 Android — Coming Soon
AI Financial Assistant
Meet Quids.
Your built-in financial observer. He watches what's on screen and speaks up when something's worth saying. Not before.
👁️
Context-aware observations
One focused observation per tab, only when the data genuinely warrants it. Debt advice on the debts page, food tips on the food page — relevant every time.
🔒
Zero data retention available
Powered by Groq. Enable zero data retention in your Groq account and nothing is stored or logged. No personal details ever leave your machine.
🆓
Free to run
Bring your own free Groq API key. No extra cost on top of Purseview's one-time price.
🎩
Entirely optional
Every feature works without Quids. He's there when you want him, silent when you don't.
💡 Your Klarna BNPL ends its interest-free period in 47 days. At your current payment rate you'll still owe £180 when 39.9% APR kicks in. Pay £102/month to clear it on time.
📊 Your debt-to-income ratio is 18% — the general reference threshold is 20%. Based on current figures, paying £25 extra per month could clear your Barclaycard around 4 months earlier.
🏠 Your fixed mortgage rate ends in 74 days. Now is a good time to start comparing remortgage deals — rolling onto SVR could cost significantly more.
Pricing
Simple. Honest. Once.
Most budgeting apps charge from £4.99/month upwards, with premium tiers locking away the features you actually need. Purseview gives you everything, once.
Purseview
Complete household finance — no strings attached
£19.99
one-time · yours forever · all future updates included
✅ Every feature — nothing behind a premium tier
✅ BNPL tracker, debt strategies, mortgage alerts
✅ Purchase Planner, savings challenges, bank import
✅ Quids AI assistant (free Groq API key required)
✅ Encrypted local backups — your data, your machine
✅ No subscription. No renewal. No account required.
Currently in closed beta testing. Public launch coming soon.
Most budgeting apps charge between £4.99 and £15+ per month — that's up to £180 a year with features gated behind premium tiers. Purseview is £19.99 once. Yours forever.
Questions
Frequently asked
Is my financial data really private? +
Yes — technically, not just legally. Everything Purseview stores lives in a local database on your machine. No servers, no cloud, no accounts. The only time data leaves your device is for Quids AI observations, and even then only anonymous financial figures are sent — never your name, account details, or personal information.
Does it connect to my bank? +
No. No Open Banking integration, no API connections to any bank, no banking credentials stored anywhere. You enter your income manually or import bank statement CSV files. Your bank never knows Purseview exists.
What banks does statement import support? +
Purseview currently auto-detects Monzo CSV format. MiData format support — used by Santander, Lloyds, Halifax, HSBC, Nationwide, Barclays and more — is in active development. Any other bank can be mapped manually and Purseview remembers the mapping permanently, so you only ever set it up once.
What is Quids and does it cost extra? +
Quids is Purseview's built-in AI assistant — a friendly green £ sign with a top hat. He's powered by Groq, a free AI platform. You supply your own Groq API key (free at console.groq.com). There's no extra cost on top of Purseview's one-time purchase. Quids is entirely optional — every feature works without him.
What if I get a new PC? +
Install Purseview on the new machine, restore from a backup file, enter your PIN and everything comes back exactly as you left it. Backups are PIN-encrypted so they're safe to store on a USB stick, Google Drive, OneDrive, or SharePoint.
Is it only for couples? +
No — Solo mode is available for single-person households. The bill split calculator and joint features are hidden, keeping everything focused. Joint mode unlocks the full feature set including proportional income splits and household contributors.
Will there be a mobile app? +
Yes — Purseview is currently available on Windows desktop. Mobile apps for iOS and Android are in development and coming soon. Sign up for launch notifications below and you'll be the first to know when mobile is available.
When is it available to buy? +
Purseview is currently in closed beta testing. Public launch is coming soon. Enter your email below and you'll be the first to know when it's available.
Be first to know when Purseview launches.
Currently in closed beta testing. Public launch coming soon. No spam — one email when it's ready.
Windows desktop · Local data only · One-time £19.99 at launch
← Back to Purseview
Privacy Policy
Last updated: May 2026 · Controller: Purseview (sole trader, England)
What We Collect
Purchase data (name and email via payment processor) when you buy Purseview
Financial data you enter into the app — stored locally on your device only, we have no access to it
If you use Quids AI: anonymised financial summaries sent to Groq via your own API key
What We Don't Collect
No financial account data or bank credentials
No tracking, analytics, or cookies on this website
No data sales or sharing with third parties
No user profiling
Data Retention
Purchase records: 7 years (legal requirement)
Support emails: 12 months after resolution
Local financial data: stored on your device until you delete it — we have no access
Your Rights (UK GDPR)
You have the right to access, correct, delete, restrict processing of, port, and object to processing of your personal data. Contact [email protected] and we will respond within one month.
Governing Law
This policy is governed by the laws of England and Wales. If you are resident in Scotland or Northern Ireland, your statutory rights under the laws of your jurisdiction are not affected.
Complaints
You may lodge a complaint with the Information Commissioner's Office (ICO) at ico.org.uk or by calling 0303 123 1113.
Last updated: May 2026 · Governing law: England and Wales
1. Licence Grant
Purseview grants you a personal, non-exclusive, non-transferable licence to use this software for personal and household use only. You may not copy, redistribute, resell, sublicense, reverse engineer, or use Purseview for commercial purposes.
2. Ownership
All intellectual property rights in Purseview remain with the Developer. This licence does not transfer any ownership rights to you.
3. Payment and Term
Purseview is sold as a one-time purchase. Your licence is perpetual — there is no subscription, no renewal, and no expiry.
4. Your Statutory Rights
Nothing in this agreement affects your rights under the Consumer Rights Act 2015 and the Digital Markets, Competition and Consumers Act 2024. These rights cannot be excluded.
5. Disclaimer of Warranties
Purseview is provided "as is". All figures and projections are informational only. You are solely responsible for any financial decisions you make based on information shown in the app.
6. Limitation of Liability
The Developer's total liability to you is capped at the amount you paid for Purseview. The Developer accepts no liability for indirect losses, data loss, or financial decisions made in reliance on the app. Nothing in this agreement limits liability for death, personal injury, or fraud caused by negligence.
7. Data and Privacy
All financial data you enter is stored locally on your device. The Developer has no access to it. If you use the Quids AI feature, anonymised financial summaries are sent to Groq via your own API key. See our Privacy Policy for full details.
8. Governing Law
This agreement is governed by the laws of England and Wales. If you are resident in Scotland or Northern Ireland, your statutory rights under the laws of your jurisdiction are not affected.
Nothing in Purseview or on this website constitutes financial, investment, or tax advice. Purseview is not authorised or regulated by the Financial Conduct Authority (FCA).
Informational Only
All figures, projections, and calculations use simplified assumptions and are for informational purposes only:
Mortgage estimates are indicative only and do not account for all fees or rate changes
Purchase Planner assumes constant income and outgoings — real circumstances vary
Debt strategies show mathematical outcomes only — individual circumstances differ
APR calculations are estimates based on data you enter
Quids AI Insights
Observations made by Quids are general in nature, not personalised financial advice, and may contain errors. Always verify important financial decisions independently.
Seek Professional Advice
Investments and pensions: speak to an Independent Financial Adviser (IFA)
Tax matters: speak to a qualified accountant
Debt problems: contact StepChange (stepchange.org) or the Money and Pensions Service (moneyhelper.org.uk)
Mortgages: speak to an FCA-authorised mortgage adviser
No Liability
The Developer accepts no liability for financial loss arising from use of Purseview or its calculations. See the EULA for full terms.
Governing Law
This disclaimer is governed by the laws of England and Wales. If you are resident in Scotland or Northern Ireland, your statutory rights under the laws of your jurisdiction are not affected.