Yes — all data is stored only on your device. Nothing is ever sent to a server or shared with anyone. Clear your browser data and your app data goes too, so back up regularly via ⚙️ Settings.
Does the app work offline?
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Most features work offline. Stock prices, crypto prices and news need an internet connection to refresh, but all your saved data is always accessible.
Can I use this on multiple devices?
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Use ⚙️ Settings → Export Backup to download your data as a JSON file, then Import Backup on your other device to restore everything.
How do I export my data?
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⚙️ Settings → Your Data → 💾 Export Backup. A file named myfinances-backup-[date].json downloads instantly containing all your data.
Where does the backup save to?
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📱 iPhone — Files app → Downloads folder. You may see a share sheet asking where to save it. 🤖 Android — Downloads folder, you'll get a notification when done.
How do I restore from a backup?
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⚙️ Settings → Your Data → 📂 Import Backup. Select your .json file. The app restores everything and reloads automatically.
How often should I back up?
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At least once a week, especially after adding accounts or transactions. If your browser data is cleared, your app data goes with it.
What is Total Net Worth?
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Everything you own minus everything you owe — portfolio, bank, crypto, pension, property equity, minus credit cards and loans.
What is Liquid Net Worth?
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Same as Total but excludes property equity and pensions since those can't be accessed quickly. A more conservative measure of your actual spending power.
How does the history chart work?
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Tap 📸 Save Today on the Overview tab to save a snapshot. Do this monthly to build a history chart over time. Up to 24 snapshots stored.
How do I get live stock prices?
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Go to ⚙️ Settings → Twelve Data API Key. Get a free key at twelvedata.com — no card needed. Then tap ↻ Refresh on the Portfolio tab.
How do I add UK stocks?
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UK & EU stocks use the same Twelve Data key. Just add tickers with the .LON suffix e.g. BARC.LON, VOD.LON, LLOY.LON and they will fetch automatically.
Why are stock prices slightly off?
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The free Twelve Data plan has a 15-minute delay. Prices also convert from USD to GBP using a live rate, so small differences are normal.
How do crypto prices work?
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Via CoinGecko — free, no API key needed. Prices are in GBP and update when you tap ↻ Refresh on the Crypto tab.
My coin isn't showing a price
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Check you're using the correct symbol (BTC, ETH, SOL etc). Less common coins may not be supported. Verify the symbol on CoinGecko.
How do I change my currency?
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⚙️ Settings → Base Currency. Tap your preferred currency. All values convert automatically using live exchange rates.
The Financial Services Compensation Scheme protects UK bank deposits up to £85,000 per person per bank if a bank goes bust. Joint accounts get £170,000 protection.
Which banks are FSCS protected?
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Most UK banks — Barclays, HSBC, Lloyds, NatWest, Santander, Halifax, Nationwide, Monzo, Starling and more. Always check with your provider to confirm.
What is NOT covered by FSCS?
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Investments, stocks and crypto are not covered by deposit protection. Some platforms have separate FSCS investment protection but only for bad advice or fraud — not market losses.
