Prism Personal Finance

A private, secure budget planner. Your financial data stays completely under your control.

1. Paychecks

2. Outgoings

3. Goals

4. Tour

Access Your Secure Vault

Your Email

Your Password

Subscription Activation Key

Cost: £2.99/mo or £49 lifetime. Your activation key is sent upon subscription purchase.

End-to-End Encryption (E2EE) Data is encrypted locally using Web Crypto PBKDF2 prior to sync.

Multi-Factor Authentication Required

Enter the 6-digit verification code from your Google Authenticator or Microsoft Authenticator app.

Reset Your Vault PIN

Recover your account. We will send a secure 6-digit OTP code to your registered email address.

Your Email Address

⚠️ WIPE WARNING: Resetting your PIN resets remote vault access. Your local data is completely safe and will automatically re-upload after you set your new PIN!

6-Digit Recovery Code

New PIN / Password

Import Historical Spending

Drop your YNAB, Mint, or bank transaction CSV export here to instantly seed your cash inflows, recurring category budgets, and historical spending.

Drag & Drop your CSV file here or click to browse from your device

Supports .CSV format

File Ready to Import

bank-export.csv

Total Transactions 0

Income Inflows 0

Deduction Outflows 0

Identified Categories

Step 1: Your Income Paychecks

Configure your active monthly incomes (e.g., primary job salary, side consulting paychecks, dividends). This establishes your monthly cash pool.

Step 2: Configure Monthly Bills

Select which typical bills and outgoings you pay each month, and enter an estimated limit. Unchecked items will not be pre-populated.

Step 3: Savings Goals & Plans

Establishing savings targets (e.g. emergency reserves, trip savings) keeps you tracking toward financial independence.

Quick Savings Goal Templates

Savings Goal Name

Target Savings Amount (£)

Monthly Contribution (£)

Current Saved (£)

Step 4: Guided Platform Tour

Prism is configured as a secure, zero-knowledge client-side encrypted cloud wealth platform. Here are the core pillars to help you get the most out of your workspace:

Privacy-First E2EE Your financial records compound client-side using PBKDF2 AES-GCM prior to database saves. Nobody else can ever view your vault.

YNAB Carryovers Recurring bills support YNAB roll-over envelopes. Spend surpluses carry over as positive reserves, while deficits roll over into next-month limits.

Check off checklist Check off monthly bills in one click directly inside the outgoings tab. This automatically registers spent efficiency metrics.

Keyboard Shortcuts Type **`C`** on any page to open themes and accessibility settings. You can switch vaults or clear isolated data instantly.