Prism Personal Finance

A private, offline-capable wealth planner. Your financial data stays under your control.

1. Paychecks

2. Outgoings

3. Goals

4. Tour

Configure Cloud Sync

Your Email

Your Password

Subscription Activation Key

Cost: £7.99/mo. 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.

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.