Get started
Your data
Where Money is a privacy product first and a budgeting product second.
Where your data is#
Everything — accounts, templates, transactions, categories, rules, rates, and the original CSVs you imported — lives in one SQLite database inside your browser's private storage for this site. The Database tab shows it as opfs://wheremoney/your-file.sqlite.
It is on your device only. No copy exists with the author, a host, or anyone else. No other website can read it. And it is a real SQLite file: export it and open it in any SQLite tool.
Careful
Nobody else has a copy, so nobody else can restore one. Clearing site data, or losing the device, destroys it permanently. See Database and the save file.
The one network call#
The app makes one kind of outbound request, only when you click a button that says so: exchange rates from api.nbp.pl ↗, the Polish central bank's public rates service.
The request is the whole URL, and this is all of it:
https://api.nbp.pl/api/exchangerates/rates/a/eur/2026-01-01/2026-03-31/?format=jsonA currency code and two dates. No transaction, no amount, no account number, no identifier of you or your database — there is nothing in the request but the currency and the range.
Fetched rates are stored in your file, so once a period is covered, importing needs no network at all.
The call is also metered, because a free public service deserves it: a 10-second timeout per request, a hard cap refused before anything goes out, spacing between requests, a shared cooldown after every fetch, and two backed-off retries when the server asks for one. Details: Currencies.
No telemetry, no accounts#
No usage tracking, no error reporting, no sign-in, no cookies. The app never learns that you used it. It works offline.
The only things kept outside the database are small conveniences in this browser's local storage — which file you opened last, its size, when it was last saved, and what the save file looked like then — plus the browser's own remembered permission to write that file. File names and numbers, not data.
Bank names#
Bank names appear in the app and these docs to identify the shape of a file a bank exports, so it can be parsed. Where Money is not affiliated with, endorsed by, or connected to any bank. All trademarks remain their owners'.
The terms#
The page that governs is the app's own Privacy, disclaimer & terms. In short: not a bank, not affiliated with one, not financial advice, not a source of truth, provided as is, and the data is on your device so only you can lose it.