Do I need an account to use CuraMoneta?

No. There is no sign-up, no login, no password, and no email capture. All nine calculators work start to finish without identifying yourself in any way.

Where is my financial data stored?

In your own browser, using a built-in browser feature called localStorage. The numbers stay on the device where you entered them and are never transmitted to a server.

Can CuraMoneta see the numbers I enter?

No. The site is made of static files with no backend, no database, and no API that receives financial figures. There is no server-side system that could receive them, so there is nothing on our end to look at, store, or sell.

What happens if I clear my browser data?

Your saved figures are deleted along with it, and cannot be recovered. Use the Export data link in the footer of the Command Center to download a backup file first, which you can re-import at any time.

Can I use CuraMoneta across multiple devices?

Yes, but the data does not sync automatically because that would require a server. Export a JSON backup file on one device and import it on the other to move your figures manually.

Is my exported backup file encrypted?

No. The export is plain, readable JSON. This is deliberate: the file is already on hardware you control, and a passphrase you might forget would create the same data-loss problem the backup exists to prevent. Store it wherever you would keep any other personal document.

No sign-up

Finance calculators with no sign-up

Why there is no account, and where your numbers actually go.

CuraMoneta has no accounts, no sign-up, no password, and no email capture. Every figure you enter stays in your own browser and is never sent to a server — not because of a policy we promise to follow, but because the site is built with nowhere to send it.

That is unusual enough in personal finance that it deserves a real explanation rather than a badge. This page covers exactly how it works, what it costs you, and who else is involved.

Why most finance tools want your email

Financial data is one of the most commercially valuable categories of personal information there is. Someone who just told a calculator their income, mortgage balance, and debt load has effectively pre-qualified themselves as a lead. That is why so many free calculators sit behind an email gate, or hand you a results page next to an offer for refinancing, insurance, or an advisor consultation.

None of that is illegal or even necessarily dishonest — it is simply how most free financial tools pay for themselves. But it means the tool has a second purpose beyond answering your question, and you usually cannot tell where the numbers went afterward.

What “no account” means here

There is no step where you identify yourself. No login screen, no email field, no “create a free account to save your progress.” You can open any of the nine calculators, enter your real figures, get your answer, close the tab, and come back a week later to find your numbers still there — without ever having told the site who you are.

There is also no lead generation of any kind. Your figures are not passed to lenders, insurers, brokers, or advisors, because they are not passed anywhere at all.

What “nothing sent to a server” actually means

This is the part worth being precise about, because plenty of sites make a version of this claim while quietly transmitting data anyway.

CuraMoneta is a set of static files — HTML, CSS, and JavaScript — served from a CDN. There is no backend application, no database, and no API endpoint that accepts financial figures. Every calculation runs inside your browser, on your own processor, using code that was already downloaded to your device.

The distinction that matters: most privacy promises are a policy — a company holds your data and pledges to behave. This is an architecture. There is no server-side system capable of receiving your numbers, so there is nothing to secure, nothing to breach, and nothing to change its mind later.

Where your numbers actually live

Your figures are saved using localStorage, a standard storage feature built into every modern browser. It is a small, private store that belongs to one website on one browser on one device. The site writes your numbers there as you type, and reads them back when you return.

Practically, that means your data behaves like a file on your own computer rather than a record in someone else's system. Nobody can request it, subpoena it from us, buy it, or lose it in a breach of our servers, because we do not have it.

The honest tradeoffs

Local-only storage is genuinely better for privacy, and genuinely worse for convenience. It would be dishonest to list the upsides without these:

Clearing your browser data deletes it. If you clear cookies and site data — or your browser is set to clear on exit — your saved figures go with it, permanently.
Private or incognito windows forget everything. Anything entered in a private session disappears when that session ends. That is the browser working correctly, not a bug.
It does not follow you between devices or browsers. Numbers entered on your laptop in Chrome are not visible on your phone, or in Safari on the same laptop. Each browser has its own separate storage.
There is no password on the data itself. Anyone with access to your unlocked device and browser could open the site and see the figures. Your device's own lock screen is the security layer.
There is no account recovery, because there is no account. Nothing can be emailed back to you if it is gone.

How to keep a backup anyway

Those tradeoffs have a fix that does not require handing anything over: in the footer of the Command Center there are Export data and Import data links.

Export downloads a single small JSON file — named with the date, like curamoneta-backup-2026-07-25.json — containing everything you have entered. Import reads that file back in. That covers both problems: it is your backup if you clear your browser, and it is how you move your figures from a laptop to a phone. The file is yours; it lands in your downloads folder and goes wherever you decide to put it.

The export is plain, readable JSON rather than an encrypted blob. That is a deliberate choice. The file already sits on hardware you control, and a passphrase you might forget would recreate the exact data-loss problem the backup exists to solve. Treat it like any other personal document.

Who else is involved

“Your numbers stay on your device” is precise, but it would be misleading to imply no third party touches the page at all. Being straight about this matters more than sounding pure:

Cloudflare hosts the site and serves the files. It also provides privacy-focused analytics that count page views without cookies or fingerprinting.
Google Fonts serves the typefaces, which means your IP address is visible to Google when fonts load, as with any site using them.
Google AdSense is how the site is intended to pay for itself. Ads involve cookies and advertising identifiers, and where required you will see a consent prompt letting you control that.

None of these receive the financial figures you enter — those never leave your browser. But they are third parties on the page, and you should know they are there. The Privacy Policy spells out each one in plain language.

Why it is built this way

Mostly for a selfish reason: this is the tool its author wanted and could not find. Something that would let him enter real numbers — actual income, actual mortgage balance, actual debt — and see the whole picture, without buying anything, without signing up for anything, and without ending up on somebody's sales list afterward.

Once that was the goal, the architecture followed. If the numbers never leave the browser, there is no data to protect, no account to manage, and no temptation to monetize the one thing a person handed over in confidence.

Try it without telling us anything

Nine calculators, all free, all with no sign-up. Start with whichever question you actually have:

Command Center — the whole picture Take-home pay Mortgage Budget & net worth Debt payoff Savings & emergency fund Taxes Investing Car costs Insurance

Spotted a number that looks wrong, or a claim on this page that is not quite right? That is worth an email — get in touch. Corrections are genuinely welcome.

CuraMoneta is an educational tool and does not provide financial, tax, or legal advice.