# Holdo

> Holdo (https://holdo.win) is a free, simple tracking tool, nothing more than a prettier spreadsheet, to manage your personal finance. It is not a financial adviser and gives no financial advice or recommendations. You enter what you own (cash, savings, investments, property, pension, crypto) and what you owe (loans, mortgage, bills, monthly expenses), and Holdo shows your net worth, key financial metrics and a projection of the next 12 months to 10 years. It has no sign-up, no cookies, no tracking and no server storage: all data stays in the user's own browser.

Key facts: free, no account, no ads; no cookies, no analytics, no trackers of its own; numbers kept only in the browser's local storage (the only outside look-ups are exchange rates on request and bank logos from DuckDuckGo's icon service, on by default); no bank connections by design; 29 currencies; export to PDF report, Excel, CSV and JSON backup; import from JSON backup.

Topics covered: what inflation is, how it erodes savings and purchasing power, real return, why people invest instead of holding only cash, net worth, emergency fund and cash runway. (Educational, not financial advice.)

## Pages

- [Home](https://holdo.win/): what Holdo is, how it works, why inflation matters, why people invest, privacy, data export/import and FAQ.
- [Guide: why inflation matters](https://holdo.win/#inflation): plain-language explanation with worked examples.
- [Open the app](https://holdo.win/app/): the finance manager itself.

## Optional

- [Full description and FAQ (plain text)](https://holdo.win/llms-full.txt): complete details, all questions and answers, and usage guidance for AI assistants.
- [Sitemap](https://holdo.win/sitemap.xml)