**Finance & Accounting — 14 working business apps in one download.**

Everything runs in your own browser. No account, no sign-up, no subscription, no telemetry, and no internet connection needed. Buy once, use forever.

WHAT'S INSIDE (14 apps)
- Budget & Expense Planner
- Cash Flow Forecast
- Multi-Currency Exchange Tracker
- Expense Tracker
- Financial Reports
- Fixed Assets & Depreciation Tracker
- Portfolio & Investment Tracker
- Invoice & Receipt Tracker
- Loan & Debt Manager
- Payroll & Salary Calculator
- Petty Cash Management
- Savings Goals Tracker
- Subscription Manager
- Tax & VAT Manager

WHY IT IS DIFFERENT
- Each app is a single HTML file. Nothing to install, nothing to configure: open it and work. - Runs on Windows, macOS, Linux, Android, iPhone and iPad in any modern browser. - Your records stay in your browser on your device. Nothing is uploaded anywhere. - 17 languages, switchable inside every app. Arabic and Urdu switch the layout to right-to-left. - Works fully offline: after the download, no internet is required. - No accounts, no ads, no tracking, no expiry.

HOW TO USE
1. Unzip the package.
2. Open START-HERE.html (the launcher) in your browser.
3. Pick an app. Data saves automatically in that browser.

The ZIP also contains a README with per-app notes and the usage terms.

REQUIREMENTS
Any modern browser (Chrome, Edge, Safari, Firefox). Windows 10/11, macOS, Linux, Android 8+ or iOS 15+.

LANGUAGES (17)
English, Arabic, French, Spanish, Portuguese, Turkish, Chinese, German, Italian, Dutch, Russian, Hindi, Indonesian, Urdu, Bengali, Japanese, Korean.

GOOD TO KNOW
- Data lives in the browser profile used to open the file; clearing site data removes it, so keep a backup of anything important.
- Translations into the 15 non-English/Arabic languages are machine-assisted; the interface wording is short and the numbers are locale-aware. - This is a digital download. No physical item ships. No subscription, no upsell.