Windows · Android · Early version
A private budgeting and debt-recovery app for Canada.
It tells you what you can really spend, fits your debts into your paycheques, and rewards decisions that actually help. Everything stays on your device.
Broke'nt is a private budgeting and debt-recovery app for Canada, in English and French. It tells you what you can really spend, fits your debts into your paycheques, and rewards decisions that actually help.
It's for people who are bad with money and want out of trouble. It isn't trying to help you invest or build wealth: every feature has to help someone stay afloat, get out of debt, or stop the next mistake.
Everything stays on your computer. There are no accounts, ads or subscriptions, and every bank connection is read-only, so the app can never move money.
Broke'nt is an early version (0.1.0). You can download the Windows installer below. It isn't code-signed yet, so Windows will warn you before installing, and the Android app isn't available to download yet. Still to come: testing on real phones and a native French review.
Download
This is an early version (0.1.0). Everything stays on your device: there are no accounts, ads or subscriptions.
A normal install wizard, about 124 MB. The installer isn't code-signed yet, so Windows SmartScreen will say it doesn't recognize it: choose More info, then Run anyway. Your data lives in your own app data folder, and uninstalling doesn't delete it. The installer doesn't update itself yet, so new versions are posted on the downloads page.
Download for WindowsThe Android app isn't available to download yet. It is a separate copy of Broke'nt that never needs your computer, and it will be posted here when it's ready.
Screenshots
Highlights
What you can spend today and still make it to payday, after your bills and debt payments.
Yes, no, or yes with a trade-off, with the exact math. Type it the way you'd say it, like an $80 game this weekend.
Your existing debts fitted into your real paycheques, or the exact size of the gap and who to pay first.
A morning notification only when you're going to be short or a bill won't go through. Nothing when things are fine.
Everything stays on your device. No accounts, ads or subscriptions, and bank connections are read-only.
A Windows app that lives in the tray, and a separate Android app that never needs your computer.
Switch language any time. Every word on screen has a French version.
Points, badges and ranks for facing a debt, paying a bill or finishing a week under budget. They never go down.
Short lessons, and letters you can send in French or English that never admit an old debt.
How it works
Add your pay, your bills and your debts, including the old ones you've been avoiding.
Import a file from your bank, or connect SimpleFIN or Plaid. Every connection is read-only.
Broke'nt shows what you can safely spend until payday, and warns you early if a shortfall is coming.
See whether your debts fit in your paycheques, and who gets paid first if they don't.
A two-minute weekly review keeps your plan honest and earns points for the right moves.
In detail
Broke'nt works out what you can safely spend today, until your next payday, after bills and debt payments. If you're heading for a shortfall it says so early, for example that you'll be $18.54 short on a given date, while there's still time to fix it.
It always errs on the safe side: the highest recent amount for a bill that varies, the lowest for pay that varies, and bills before income on the same day.
Ask before you spend and get a plain answer with the math behind it. You can type a purchase the way you'd say it, and Broke'nt works out what you meant.
Everyday spending isn't treated as a bill, and paying bills or debts doesn't use up your weekly limits.
It takes all your debts and fits them into your real pay, paycheque by paycheque. If they don't fit, it shows the exact size of the gap and who to pay first, instead of leaving you to guess.
The I'm in trouble button turns on hardship mode, which shows who gets paid first when there isn't enough for everything.
It reminds you to check how old a debt is before you pay or promise anything, because old debts have special rules in Quebec. There's a rent-increase checker based on the tribunal's published rules, a winter heating fund, and a note on the winter no-cut rule for electric heating.
Letters you can send, in French and English, are written so they never admit an old debt.
Points, badges and ranks come from real decisions: facing a debt, paying a bill, finishing a week under budget. Debts become bosses to beat.
Points never go down, so nothing here is a trap, and payments you type in by hand earn only half points so a made-up entry can't win you anything.
Import a file from your bank's website (OFX, QFX or CSV), or a PDF statement from supported chequing accounts, read entirely on your own device. Or connect SimpleFIN or Plaid for background updates, or add Google Wallet on the phone so each tap to pay becomes a purchase.
Every connection is read-only. Importing a file is the fully private option, since no third party ever sees your transactions.
Your data lives on your device. Bank tokens are encrypted, you can encrypt the whole database, and the app keeps daily backups. A password-locked backup file can go anywhere you like.
To keep a phone and a computer in step, each saves an encrypted copy in a folder you choose, such as one OneDrive, Dropbox, Google Drive or Syncthing already syncs. The folder never holds anything readable without your sync password.
Questions
Yes, for Windows. The early version (0.1.0) is on the downloads page linked above. The installer isn't code-signed yet, so Windows will warn you, and it doesn't update itself yet, so new versions will be posted there. The Android app isn't available to download yet.
Not at the moment. The code is in a private repository.
No. Every bank connection is read-only, and the app can never move money or pay bills.
It stays on your computer or phone. If you connect a bank through SimpleFIN or Plaid, that provider reads your transactions, which is the trade-off for a live connection. Importing a file keeps everything fully private.
People who are bad with money and want out of trouble. Investing, wealth-building and shared household budgets are deliberately left out.
It's built for Canada and works in English and Québec French. Some of the help, like the old-debt reminder and the rent-increase checker, follows Quebec rules.
No. It does math and shows options. It isn't licensed financial, credit or legal advice.
Broke'nt is an early version (0.1.0). Download it for Windows, or have a look at the other projects.