Date-to-date statements
Pick one account, a whole group or every account of one type, and any date range. You get the opening balance, each entry with a running balance, total credit and debit, and the closing balance.
Personal wealth manager · Windows & macOS
Everything you own,
in one private vault.
Smart Treasury brings your bank accounts, fixed and recurring deposits, savings bonds, shares, business stakes and petty cash into one encrypted desktop app, in your own currency. Your own Google Sheet is the database, so your records stay yours, on every computer you use.
- 33 currencies built in
- AES-256 encrypted vault
- 0 subscription or server
Total net worth$136,472.54▲ 8.1% vs last month-end
6-Month Fixed Deposit matures 01 Nov
expected $10,250.00
expected $10,250.00
Locked after 10 min idle
Twelve account types for everything you hold
- Bank account
- Fixed deposit / CD
- Recurring deposit
- Savings bond
- Brokerage account
- Business stake
- Petty cash
- Cash in hand
- Mobile wallet
- Money lent
- Other asset
- Loan / mortgage
Product tour
A walk through the real app
Every screen below is the actual application running with its built-in sample data. Choose a screen, or use the arrow keys.
1 / 10
Features
Built around how money actually moves
Deposits & maturity
Maturity for fixed deposits, CDs, recurring deposits and savings bonds after tax withheld, interest accrued so far, an installment tracker that flags missed months, and a 24-month maturity calendar. "Mature / renew" records the interest and where the money went.
Shares & business
Record buys and sells of shares and ETFs per brokerage account. Holdings use the average-cost method, with realised and unrealised gain, dividends and weight per holding. Business stakes show capital, money taken out and return on capital.
Financial analysis
Net-worth trend, income against expenses, spending by category and exposure by bank, for any period. Key ratios include months of expenses covered, savings rate, debt-to-asset and weighted interest rate, with plain-language insights.
Transfers that stay honest
Moving money between your own accounts, paying a deposit installment or a loan instalment is recorded on both sides and never counted as income or expense, so your savings rate is real.
Reminders that matter
The notification centre lists deposits maturing within 30 days, deposits that have already matured, unpaid installments, receivables and loans falling due, and share prices that need updating.
Made for every country
Your currency, your bank's words
On first run Smart Treasury reads your computer's country and sets the currency, the number grouping and the banking terms to match. You can change any of them later in Settings.
- $ USD
- € EUR
- £ GBP
- AED
- SAR
- ₹ INR
- ৳ BDT
- Rs PKR
- S$ SGD
- RM MYR
- ¥ JPY
- A$ AUD
- CA$ CAD
- ₦ NGN
- R ZAR
- R$ BRL
- + 17 more, or any symbol
Banking terms
- Fixed-term deposit
- Fixed deposit / CD
- Monthly savings scheme
- Recurring deposit
- Government savings
- Savings bond
- Share trading account
- Brokerage account
- Number grouping
- 1,234,567.00
- Large amounts
- $1.25M
Only the words change. Your records stay exactly the same, so a household can switch at any time.
Live demo
The same interest maths as the app
Enter a fixed deposit or a recurring deposit the way your bank quotes it. This calculator runs the exact formulas Smart Treasury uses for its maturity figures, including tax withheld on interest.
- Fixed deposit / CD: principal × (1 + rate ÷ periods)periods × years, or simple interest
- Recurring deposit: monthly installments compounding monthly, paid at the start of each month
- Tax withheld is taken from the interest only
- Pick your currency; rupee and taka use Lakh/Crore grouping
Two themes, one feel
Easy on the eyes, day or night
A low-glare slate dark theme and a cool paper-grey light theme, both glossy, with the same layout. Drag the handle to compare.
Security
Private by design, not by promise
There is no Smart Treasury server. Your records go only to your own Google Sheet, and everything stored on your computer is encrypted.
- Master-password vault. Your Google connection is encrypted with AES-256-GCM, using a key derived from your password with scrypt. Nothing readable is kept on disk.
- Locks itself. The app locks after the idle time you choose, and whenever Windows locks or sleeps. Five wrong passwords trigger a temporary lockout that grows with each further try.
- Blur amounts. One click hides every figure when someone is looking over your shoulder.
- Audit log. Logins and important changes from every computer are recorded with time and computer name.
- Encrypted backups. One automatic backup per day (the last 30 are kept), plus manual backups. Restoring always takes a safety copy first.
- Hardened app shell. The interface runs in a sandbox with a strict content policy. Only https links open, and they open in your browser.
How it works
Your Google Sheet is the database
Each computer runs the app. All of them read and write the same sheet in your Google account, so home and office always agree.
Home PCSmart Treasury app
encrypted vault & daily backups
encrypted vault & daily backups
Office PCsame app, joined with an
encrypted connection file
encrypted connection file
Your Google Sheet
AccountsTransactionsTradesPricesSettingsLog
readable in any browser, with Google's own version history
- Create a free Google service account and a blank sheet. The app's setup screen walks you through it in about five minutes.
- Set a master password. The app creates its tabs in the sheet and encrypts the connection on this PC.
- Add your accounts and start recording. Works offline with the last synced copy, read-only, until you reconnect.
For developers & resellers
Complete source, ready to build and rebrand
The package contains everything needed to install from scratch, build the installers and put your own name on it.
33 currenciesElectron 44Chart.js 4Google Sheets API v4Plain JavaScriptNo backendWindows · macOS
- Full source code. Clear layering: main process, data layer, pure finance module, one file per screen.
- Installers. Windows setup and portable exe, macOS DMG, all built with one command.
- Rebrand and localise. Name and file names live in
brand.json; colours are CSS design tokens; currencies and banking terms are two small tables. - Database scripts.
schema.sqlwith keys and indexes, demoseed.sql, and CSVs to import into Google Sheets. - Tested. 38 unit tests, including a fake Google Sheets API, and a 27-step end-to-end run of the real app.
- Documented. README, HowToSetup, CLAUDE.md for AI coding tools, architecture, data model and changelog.
Questions
Good to know
Do I have to pay Google or anyone else?
No. A Google account, a Google Sheet and a service account with the Sheets API are all free for personal use. There is no Smart Treasury subscription.
Is my financial data sent anywhere else?
No. The app talks only to the Google Sheets API using your own credentials. There is no analytics and no vendor server, and the page that shows your data cannot reach the internet at all.
Can I use it on my home and office computers?
Yes. Export an encrypted connection file from the first computer and open it on the second with the same master password. Both work on the same sheet, and the app refreshes every few minutes and when you switch back to it.
What if I forget my master password?
The password cannot be recovered, by design. Choose "Forgot password?", reset this computer and connect again with your Google key. Your records in the sheet are untouched.
Does it work without internet?
It opens the last synced copy in read-only mode so you can still look things up. Editing resumes as soon as the connection is back.
Can I try it without setting up Google?
Yes. Demo mode uses a local file instead of Google Sheets and loads a full year of sample accounts, transactions and trades with one click, in US dollars or in taka with South Asian terms.
Which currencies and countries does it support?
Any. 33 currencies are built in, from the US dollar, euro and pound to the dirham, rupee, taka and yen, and you can type any other symbol. The first run follows your computer's country. You can choose international or South Asian banking terms and 1,234,567 or 12,34,567 grouping at any time.
Know exactly what you own.
Every account, every maturity, every cent, in one private vault.
Questions?