Private finance + professional quotes

Your money.
Your work.
One calm app.

Track household spending, control recurring costs and create professional client quotes, all on your phone, without a CostBoard account, cloud or tracking.

Coming soonApp StoreGet it onGoogle Play

See how it works

13 currencies25 languagesWorks offlineOne-time Pro

BudgetsWarnings before you overspend

Private by design0 CostBoard servers

Fixed costsMonthly + yearly totals

QuotesClient → PDF → send

No accountNo CostBoard login required

Works offlineYour data stays available

On-deviceNo CostBoard cloud

Free + one-time ProNo subscription

One app, two spaces

Personal life and client work.
Separated, not scattered.

CostBoard keeps household finances and professional quotes in the same app, while keeping the data and workflows clearly apart.

1 tapbetween Personal and Business

Personal spaceFor everyday finances

Home finances that stay calm and easy to read.

Track everyday spending, budgets, recurring payments and reminders in a dedicated space built for personal money management.

Track daily life in one flow

Expenses, categories and payment status stay easy to add and update on your phone.

See limits before they become problems

Budgets, recurring costs and due dates work together in one calm overview.

Understand what changed

Monthly movement, category split and trends are already connected to the data.

Designed forEveryday trackingSpending, categories, reminders and fixed costs.

Main outcomeClarityKnow where money goes without building your own system.

Personal dashboardMoney tracking, budgets and reminders in one place

Business spaceFor quotes and clients

Client work that feels organised and professional.

Create quotes, manage clients, configure VAT and export clean PDF documents from a space built specifically for business use.

Keep work separate from private money

Business quotes and client data stay in their own environment instead of living inside personal expenses.

Follow a professional workflow

From draft to sent to accepted, the business side is organised around actual quote work.

Export ready-to-send documents

Generate clean quote PDFs without leaving the app or maintaining external templates.

Designed forBusiness quotingClients, VAT, statuses and quote export in one workflow.

Main outcomeProfessional outputSend polished quote documents from a mobile-first workflow.

Business workspaceQuotes, clients and status management

One product language

The app stays visually and functionally consistent, so users do not feel like they are learning two different tools.

Clear separation by design

Personal money and business quoting stay organised, reducing clutter and accidental overlap.

Better than disconnected tools

You keep context-specific workflows without juggling separate apps, files or spreadsheet templates.

Everyday finance

Less admin.
More clarity.

The most useful financial tasks are already connected. Add an expense once and the rest of the product can understand it.

Budgets with clear states

See what is safe, close to the limit or already over budget.

Recurring costs that stay recurring

Rent, subscriptions and bills with monthly and yearly totals.

Analytics already built

Trends, category breakdowns and period comparisons without a reporting setup.

Reminders stay local

Due-date notifications without a CostBoard server or account.

01 · Budgets

Know the limit before you cross it.

Under, near and over states make budget health visible without interpreting a sheet.

02 · Analytics

Turn entries into a useful picture.

Monthly spending, trends, category split and custom date ranges are ready when you need them.

03 · Fixed costs

Rent, subscriptions and bills, counted for you.

Set a recurring payment once. CostBoard keeps the monthly and yearly view, its category and payment status connected to the rest of your finances.

Weekly or monthlyDue-date remindersPaid / unpaidTrue 52-week normalisation

Why CostBoard instead of a spreadsheet?

Spreadsheets calculate.
CostBoard manages.

A spreadsheet is a flexible blank canvas. CostBoard gives you a ready workflow for the financial jobs you repeat every week, without asking you to design and maintain the system first.

Explore the comparison

MobileForms instead of cells

BudgetsLimits and warnings built in

RecurringMonthly and yearly automatically

AnalyticsReports without report-building

QuotesClient → VAT → PDF → send

MaintenanceNo formulas to repair

Evidence layer

All 45 differences.
Only when you want the detail.

Scan the status first, then open the details. Green means the workflow is built into CostBoard; red or amber means a spreadsheet needs extra setup or does not provide the same dedicated finance workflow by default.

CostBoardBuilt in

Ready as part of the product workflow.

SpreadsheetNot built in

Usually requires a custom setup, another tool or a different workflow.

SpreadsheetPossible with setup

Can often be reproduced with formulas, templates, scripts or add-ons.

CostBoard

45/ 45

Built in

Spreadsheet

19Not built in
16Requires setup
9Depends on app
1Native strength

Everyday trackingFast, structured entry for everyday money management.06 items

Adding an expense

SpreadsheetRequires setup

Open a sheet, find the right row and fill several cells.

CostBoardBuilt in

Use a purpose-built mobile form designed for fast expense entry.

Using it on a phone

SpreadsheetDepends on app

Mobile spreadsheets work, but editing cells and wide tables on a small screen takes more navigation.

CostBoardBuilt in

The interface is designed from the start for touch and everyday phone use.

Paid / unpaid status

SpreadsheetRequires setup

Typically add another column and filter it manually.

CostBoardBuilt in

Marking a payment updates the entry, month total and budget state.

Expense categories

SpreadsheetRequires setup

Create category rules, validation and reporting yourself.

CostBoardBuilt in

Categories are part of the data model and automatically feed analytics.

Home renovation

SpreadsheetNot built in

Usually requires a separate workbook, room tabs and custom formulas.

CostBoardBuilt in

Track renovation costs by room, category and payment status.

Planned vs paid

SpreadsheetNot built in

Create your own structure and formulas.

CostBoardBuilt in

Planned and paid states are part of the built-in model.

Budgets & automationRecurring costs, reminders, budgets and calculations without maintaining formulas.08 items

Financial dashboard

SpreadsheetRequires setup

Build the dashboard yourself with formulas, tables and charts.

CostBoardBuilt in

A ready dashboard shows this month's spend, period change, trend and category split.

Budgets

SpreadsheetNot built in

Create limits with your own formulas and conditional formatting.

CostBoardBuilt in

Built-in budgets show under, near and over states with a warning threshold.

Overspend visibility

SpreadsheetNot built in

Review values regularly or configure your own alerts.

CostBoardBuilt in

The app surfaces when you are approaching or exceeding a budget.

Recurring costs

SpreadsheetNot built in

Copy rent, subscriptions or bills between periods, or automate them yourself.

CostBoardBuilt in

Mark an expense as recurring and keep it in a dedicated fixed-cost workflow.

Monthly and yearly cost

SpreadsheetNot built in

Add formulas such as SUMIFS or create separate summary tables.

CostBoardBuilt in

Monthly and yearly recurring-cost totals are calculated automatically.

Weekly costs

SpreadsheetNot built in

Choose your own weekly-to-monthly conversion method.

CostBoardBuilt in

Weekly costs are normalised to 52 weeks per year for a true monthly average.

Payment due dates

SpreadsheetNot built in

A date in a cell needs additional configuration to become a reminder.

CostBoardBuilt in

Local payment reminders are built into the app.

Reminder timing

SpreadsheetNot built in

Use scripts, a calendar or another service for reminder automation.

CostBoardBuilt in

Choose same day, 1 day or 3 days before, plus the notification hour.

Analytics & organisationTurn entries into useful views and comparisons without building a reporting layer.08 items

Spending analysis

SpreadsheetRequires setup

Decide which charts to build and how to connect them to your data.

CostBoardBuilt in

Charts, trends, category breakdowns and period comparisons are ready to use.

Custom date range

SpreadsheetRequires setup

Use filters, pivot tables or extra formulas.

CostBoardBuilt in

Choose a from-to range and charts, categories and totals follow automatically.

Month-to-month comparison

SpreadsheetRequires setup

Prepare the ranges and formulas yourself.

CostBoardBuilt in

Period-over-period comparison is part of the analytics workflow.

Average spending

SpreadsheetRequires setup

Create formulas and keep their ranges accurate.

CostBoardBuilt in

Averages and trends are calculated within the app.

Multiple currencies

SpreadsheetRequires setup

Possible, but formatting and data logic are yours to configure.

CostBoardBuilt in

13 currencies are supported with appropriate value formatting.

Personal and business

SpreadsheetNot built in

Usually organise separate files or tabs yourself.

CostBoardBuilt in

One switch separates Personal from Business so the data does not mix.

Data consistency

SpreadsheetRequires setup

Free-text labels can drift into duplicates such as “Shop”, “shop” or “Groceries”.

CostBoardBuilt in

Structured fields reduce naming inconsistencies.

Readability at scale

SpreadsheetRequires setup

A workbook can grow into hundreds or thousands of visible rows.

CostBoardBuilt in

Dashboards, lists, categories and dedicated views surface the information needed for the current task.

Quotes & businessFrom client data to a finished quote and PDF in one workflow.09 items

Client quotes

SpreadsheetNot built in

Build a template, structure, formulas and numbering yourself.

CostBoardBuilt in

Use a dedicated workflow for professional client quotes.

Quote line items

SpreadsheetNot built in

Changing structure means editing the table manually.

CostBoardBuilt in

Sections, items, quantities, prices, VAT and discounts are built into the form.

VAT and quote totals

SpreadsheetNot built in

Create formulas and protect them from accidental edits.

CostBoardBuilt in

Net, VAT and final totals recalculate live.

Quote numbering

SpreadsheetNot built in

Track numbers manually or build your own automation.

CostBoardBuilt in

Quote numbering is automatic.

Client database

SpreadsheetNot built in

Usually maintain another table or sheet.

CostBoardBuilt in

A client database is built in.

Company details

SpreadsheetNot built in

Maintain company data inside your template and keep it consistent.

CostBoardBuilt in

Company profile, default VAT and validity settings are part of the app.

Quote status

SpreadsheetNot built in

Add a status column and create filters.

CostBoardBuilt in

Use a built-in Draft → Sent → Accepted workflow.

Client-ready PDF

SpreadsheetNot built in

Design the sheet for print and maintain its layout.

CostBoardBuilt in

Generate a ready PDF with company details, logo and quote items.

Sending a quote

SpreadsheetNot built in

Export the file and continue in another app.

CostBoardBuilt in

PDF export, email and Excel export are part of the workflow.

Setup & reliabilityLess workbook construction and less risk of breaking a custom model.05 items

Formula integrity

SpreadsheetRequires setup

Moving, deleting or overwriting a cell can break a custom model.

CostBoardBuilt in

You work through forms and product logic rather than editing formulas directly.

Setup time

SpreadsheetRequires setup

A tailored finance system has to be designed before you use it.

CostBoardBuilt in

After installation, you can begin adding data without building a model first.

System maintenance

SpreadsheetRequires setup

Over time you maintain columns, formulas, tabs, ranges and fixes.

CostBoardBuilt in

Product logic is maintained in the app rather than in your personal workbook.

Focus

SpreadsheetRequires setup

A spreadsheet is a general-purpose tool with capabilities far beyond expense management.

CostBoardBuilt in

CostBoard keeps the interface focused on spending, budgets, recurring costs and quotes.

Learning curve

SpreadsheetRequires setup

Advanced spreadsheet systems can require formulas, formatting and pivot-table knowledge.

CostBoardBuilt in

Core CostBoard workflows do not require spreadsheet formulas or report-building knowledge.

Privacy & dataLocal-first operation with explicit export and backup controls.06 items

Offline use

SpreadsheetDepends on app

Depends on the spreadsheet product and sync configuration.

CostBoardBuilt in

CostBoard is designed to work offline.

User account

SpreadsheetDepends on app

Cloud spreadsheet workflows commonly rely on a provider account.

CostBoardBuilt in

No CostBoard account is required.

Privacy

SpreadsheetDepends on app

Depends on the provider and where you choose to store the file.

CostBoardBuilt in

CostBoard states that data is processed and stored on-device, with no CostBoard cloud or user analytics.

Ads and tracking

SpreadsheetDepends on app

Depends on the surrounding product ecosystem and configuration.

CostBoardBuilt in

CostBoard states that it contains no ads, trackers or user analytics.

Backup

SpreadsheetDepends on app

Define and maintain your own backup routine.

CostBoardBuilt in

Export data and keep automatic weekly JSON snapshots, with the last five retained.

Export and data portability

SpreadsheetNative strength

Spreadsheets naturally offer direct access to tabular data.

CostBoardBuilt in

CostBoard also exports to JSON, CSV and XLSX.

Accessibility & personalisationBuilt-in options for appearance, motion, text and language.03 items

Interface accessibility

SpreadsheetDepends on app

Controlled by the spreadsheet application's interface and settings.

CostBoardBuilt in

Text size, high contrast and reduced motion controls are built into CostBoard settings.

Light and dark appearance

SpreadsheetDepends on app

Depends on spreadsheet app settings and/or workbook formatting.

CostBoardBuilt in

Light, dark and 7 themes are built in.

Interface languages

SpreadsheetDepends on app

Your data can be entered in any language, while your own labels and system remain yours to maintain.

CostBoardBuilt in

CostBoard offers 25 interface languages.

What the symbols mean: a red × means the capability is not provided as a dedicated finance workflow by a general spreadsheet by default; it does not mean it is technically impossible. Amber means it can typically be recreated with configuration, formulas, scripts, templates or add-ons. Spreadsheet capabilities vary by product and plan.

For contractors and freelancers

From client details to a finished PDF.

Create structured quotes with sections, quantities, VAT and discounts. Totals update live, clients stay organised and the final document is ready to send.

Automatic numberingKeep quote IDs consistent without manual tracking.

Client databaseCompany and client details stay ready for the next quote.

Draft → Sent → AcceptedSimple statuses make the pipeline visible.

PDF, email and XLSXDeliver the result in the format the job needs.

01 · List02 · Build03 · Send

Privacy foundation

Private by architecture,
not by promise.

CostBoard states that your finance data is processed and stored on your device. No CostBoard account, no CostBoard cloud, no user analytics and no ads.

0CostBoard servers your finance data is sent to

100%of product data designed to remain on-device

Noneads, trackers or user analytics

Youcontrol exported backups and where they are stored

Made to fit your life

Global enough to travel.
Personal enough to feel yours.

CostBoard combines multi-currency support, multilingual UI and accessibility controls without turning settings into another project.

13 currencies

Money formatted correctly.

PLN, EUR, USD, GBP and nine more with appropriate formatting and tabular figures.

PLN złEUR €USD $GBP £CHFCZKSEKNOKDKKHUFJPY ¥CAD $AUD $

25 languages

Interface that travels with you.

Twenty-five interface languages, including right-to-left support.

7 themes

Make the app feel right.

Light, dark, accents, text size, high contrast and reduced motion.

Fair pricing

Start free.
Pay once when you need Pro.

No subscription. Personal finance stays free; professional quote workflows unlock with a one-time purchase.

Free

0 zł forever

Everything needed for personal money management.

Unlimited expenses and budgets
Analytics and themes
25 languages, 13 currencies

Download free

Pro · quotes

79 zł one-time

For contractors and freelancers who need professional quotes.

Everything in Free
Unlimited quotes and clients
PDF / email / Excel export
Company profile and templates

Unlock Pro

FAQ

Questions before you download.

Does my data go to the cloud?

No CostBoard cloud is required for the product workflow. CostBoard states that data stays on-device; backups are exported as files that you control.

Do I need a CostBoard account?

No. CostBoard is designed to work without creating a CostBoard account.

Can I move my data to another phone?

Use CostBoard export and import flows. Data can be exported to JSON, CSV and XLSX, and automatic weekly JSON snapshots are retained locally.

Can I use it without internet access?

Yes. The core finance workflow is designed to work offline.

CostBoard

Start counting calmly.

Take control of everyday spending and professional quotes, entirely from your phone, with privacy built into the architecture.

QR code to the CostBoard listing on Google Play

Scan to install on Android

Coming soonApp StoreGet it onGoogle Play

Your money. Your work.One calm app.

Personal life and client work. Separated, not scattered.

Home finances that stay calm and easy to read.

Client work that feels organised and professional.

Less admin.More clarity.

Know the limit before you cross it.

Turn entries into a useful picture.

Rent, subscriptions and bills, counted for you.

Spreadsheets calculate.CostBoard manages.

All 45 differences. Only when you want the detail.

From client details to a finished PDF.

Private by architecture, not by promise.

Global enough to travel. Personal enough to feel yours.

Money formatted correctly.

Interface that travels with you.

Make the app feel right.

Start free.Pay once when you need Pro.

Questions before you download.

Does my data go to the cloud?

Do I need a CostBoard account?

Can I move my data to another phone?

Can I use it without internet access?

Start counting calmly.

Your money.
Your work.
One calm app.

Personal life and client work.
Separated, not scattered.

Less admin.
More clarity.

Spreadsheets calculate.
CostBoard manages.

All 45 differences.
Only when you want the detail.

Private by architecture,
not by promise.

Global enough to travel.
Personal enough to feel yours.

Start free.
Pay once when you need Pro.