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Coffret

No account · No cloud · No tracking

Private expenses. Kept on your phone.

An expense tracker for freelancers that never asks you to sign in. Business and personal in one ledger, and a clean export when your accountant asks.

Download on the App StoreGet it on Google Play

Coffret is not on the stores yet. It works offline from the moment you install it, on iOS 16 and Android 10 or later.

9:41

August 2026

AllBusinessPersonal

Spent this month

$2,847.20

$1,152.80 leftof $4,000

Tax set-aside · 25%$4,120 of $5,480 for Q3
Business Checking$8,240.15
Amex Gold−$1,204.88

Recent

Kestrel Coffee Co.Client invoice+$3,200.00
FigmaSoftware−$45.00
Hatch CoworkingDay pass−$28.00
The Coffret home screen for August 2026, filtered to business spending: $2,847.20 spent of a $4,000 budget, a 25% tax set-aside of $4,120 towards $5,480 for Q3, wallet balances for Business Checking and an Amex Gold card, and three recent transactions.

Most expense apps ask for more than they give back.

01 · The account

An account you did not want

Email, password, verification code, terms you did not read. All of it before you can write down a $4 coffee. The account exists so the company can hold your data, not so you can find it.

02 · The subscription

Rent on your own records

Nine dollars a month, forever, for arithmetic your phone can do offline. Stop paying and the history is still theirs — locked behind an export button that only works while you are current.

03 · The server

Your finances on someone else's server

Bank credentials handed to an aggregator, spending patterns scored by an analytics SDK, and a breach notification you read about later. Every client you invoice is on that server too.

What it does

Six things it does properly, instead of forty it does badly.

ExpenseIncomeTransfer

28.00 + 16.50

$44.50

BusinessPersonal
CoworkingSoftwareTravel
123÷456×789−.0⌫+
Save
The add-expense sheet, with a built-in calculator totalling 28.00 plus 16.50 to $44.50, a business or personal toggle, recent category chips, and a custom keypad.

Entry

Logged before you put your wallet away

The keypad opens with the amount field focused and a calculator built in, so you can total a split receipt without leaving the sheet. Categories are ordered by what you actually used in the last sixty days. Wallet and date default to last time and today.

  • Four taps, typically
  • The OS keyboard never appears
  • Save and add another
9:41
Ledger248
AllBusinessPersonal

Thu 13 Aug−$91.20

Sainsbury'sGroceries−$91.20Per

Wed 12 Aug+$3,127.00

Kestrel Coffee Co.Client invoice+$3,200.00Biz
FigmaSoftware−$45.00Biz
Hatch CoworkingDay pass−$28.00Biz

Tue 11 Aug−$172.39

Adobe Creative CloudSoftware · recurring−$59.99Biz
Ink & PressPrint · Aperture Books−$112.40Biz
Filtered total+$2,877.21
The ledger screen grouped by day with running daily subtotals, each row tagged business or personal, and a filtered total of $2,877.21 across 248 transactions.

Two ledgers

Business and personal, one app, no bleed

Every transaction is flagged business or personal, and the filter at the top of every screen reshapes the whole app. In personal mode the tax fields are not greyed out — they are gone. Groceries and a client invoice can sit in the same list without the same rules.

  • Categories carry a default side
  • Turn business off entirely

Budgets

A warning while it still helps

Each budget shows what you have spent, what is projected by the end of the period at your current rate, and how many days are left. The alert comes at eighty percent, not after.

SoftwareOver · 114%

$683.40 of $600

Coworking82%

$412.00 of $500

Tax set-aside

The quarter's bill, already counted

Set a percentage and every payment you log adds to the reserve. You see what should be held back and what actually is, so the quarterly bill is a transfer rather than a shock.

Set aside for Q3 · 25% of income

$4,120of $5,480

$1,360 short · due 15 October

Receipts

The photo lives with the line

Snap the receipt at the counter and it is attached to the transaction, compressed and stored on the device. It travels with the record into the backup and into the accountant bundle.

Ink & Press−$112.40

ProjectAperture Books

IMG_4482.jpg · attached

Export

One file your accountant can open

The accountant bundle is a zip: business transactions as CSV, a deductible summary grouped by category, mileage, a summary PDF, and every receipt named by date and amount.

  • CSVLedger as a spreadsheet
  • PDFFormatted report, any date range
  • ZIP2026-Q3-accounting.zip

Privacy

There is no server. That is the whole design.

Coffret has no backend to breach, no account to leak, and no analytics to opt out of. The release build makes no network calls at all — you can put the phone in airplane mode permanently and lose nothing.

Encrypted on device

The database is SQLCipher-encrypted. The key is generated on the phone and held in the Keychain or Keystore, excluded from cloud keychain backups.

No network calls

No sync, no remote config, no crash uploads, no ad SDK. The app ships without the permissions it would need to send anything anywhere.

No analytics, ever

Nobody counts your screens or scores your spending. We learn what to build from what people write to us, which is slower and fine.

Your backups are yours

One documented file, in a format we publish. Keep it where you like, restore it on either platform, read it with a text editor if you want to.

Verify it yourselfRun the app behind a proxy for a week. You will see nothing leave.

Built for freelancers

The parts an employee never needs

Most trackers stop at categories. Freelance money has a second layer: which client the expense belongs to, how much of it is deductible, and what the quarter owes.

  • Deductible percentages that stickHome office at thirty percent, software at a hundred. Set it on the category once and every future entry inherits it.
  • Profit per project, not just per monthKestrel Coffee Co. returned 87% margin. Northwind Studio came in at 55% once hosting and stock were counted. That is the number that decides what work you take next.
  • A quarter you can hand overQuarterly income, deductible totals, sales tax paid and every receipt, in one zip, in the format an accountant expects.
9:41
InsightsFY 2026
BudgetsReportsTaxProjects

Set aside for Q3 · 25%

$4,120of $5,480

$1,360 short · due 15 October

Quarterly summary

QtrIncomeDeduct.
Q1$18,400$6,120
Q2$23,150$7,845
Q3 · to date$21,920$5,318
Deductible YTD$19,283
Sales tax paid$1,542
Export for accountant
The Insights screen on its Tax tab: $4,120 set aside of $5,480 for Q3, a quarterly summary of income and deductibles for Q1 to Q3, $19,283 deductible year to date, $1,542 sales tax paid, and an Export for accountant button.

Pricing

Buy it once. That is the entire arrangement.

There is no subscription because there is nothing to run. No servers, no seats, no usage tier. You pay for the app, you own the app, and your records keep working whether or not we ship another version.

One purchase

Both platforms, all future 1.x updates. No subscription, ever.

  • Every feature on this page
  • Unlimited transactions, wallets and projects
  • No account, no upsell inside the app
  • Your records keep working if we stop shipping
Download on the App StoreGet it on Google Play

Coffret is not on the stores yet. It works offline from the moment you install it, on iOS 16 and Android 10 or later.

The price is whatever your App Store or Google Play shows at the time of purchase.

FAQ

The four questions everyone asks

Whatever is in your last backup file is what you get back. Coffret writes a single .expbak file you can keep in iCloud Drive, Dropbox, a laptop folder, or all three. Restoring on a new phone — including a phone on the other platform — reads that file and rebuilds the database. If you have no backup, the data is gone. That is the honest trade for having no server, and it is why the app nags you after twenty transactions and every thirty days without one.