Viewing the US Edition. Other countries available. Founding launch: the first 11,000 get it free, forever

Home Office OS

Your whole financial life. None of it in the cloud.

A complete financial planning app, built by a CFP® professional. Retirement, tax, estate, insurance, debt, and investments, all calculated on your own machine. No tracking, no account linking, no data broker in the middle. Free for most households.

82 Engines
128 Tool Calculators
15 3D Themes
28 Languages
50 States + DC + PR, GU, USVI, AS
100% Local
Try the Live Demo Claim Your Free Copy See How It Works

Also available, adapted to local tax law:

See all 110+ editions on the global page

The Problem with Financial Tools Today

Problem

Your Tools Are Fragmented

One app for budgeting, another for retirement, a third for tax. None talk to each other. You're the integration layer, copying numbers between spreadsheets and hoping nothing falls through the cracks.

Problem

Cloud Tools Harvest Your Data

Most financial apps require Plaid connections and cloud storage. Your income, debts, spending habits, and net worth sit on someone else's servers. Plaid alone settled for $58M over data practices in 2024.

Problem

Advisor-Grade Costs Thousands

Professional planning tools like eMoney ($3,600/yr) and RightCapital ($1,800/yr) are locked behind advisor licenses. Individuals don't have access to the same analytical depth.

Solution

Home Office OS Combines Everything

One application covering budgeting, retirement, tax, estate, insurance, debt, investment, and specialized planning. 82 calculation engines running entirely on your device. Advisor-grade analysis at a fraction of the cost, with zero data leaving your computer.

What You Get

The analysis people pay advisors thousands a year for, running quietly on your laptop.

82
Calculation Engines
Retirement, tax, estate, insurance, debt, business, investment, and specialized planning engines working together.
128
Interactive Tools
Pre-populated calculators that use your data. Retirement projections, debt payoff, mortgage comparison, and more.
Adaptive
Complexity System
Patent-pending technology that adjusts depth from beginner to expert across all engines based on your financial profile.
Bidirectional
Intelligence
The system learns from your corrections and improves accuracy over time. Forward and backward learning pipelines.
155+
Document Types
Upload tax returns, statements, policies, and estate documents. OCR extraction with entity recognition. Encrypted locally.
15
3D Dashboard Themes
Immersive WebGL dashboards including quantum, sanctuary, aurora, and living tree visualizations.
28
Languages
Full interface translation with financial context, terminology, and cultural conventions. Not just labels.
0
Cloud Calls
Every calculation runs locally. AES-256 encryption. No API keys, no subscriptions to external services, no tracking.

How It Works

From first launch to full financial picture in four steps.

1

Input Your Finances

A guided onboarding flow collects income, assets, debts, expenses, insurance, and goals. Takes about 5 minutes for basics, or go deeper for more insights.

2

82 Engines Analyze Locally

Your data flows through the calculation engine registry. Every engine runs on your device. Nothing leaves your computer. Results are cached and updated automatically.

3

Get Actionable Insights

Your dashboard shows financial health scores, retirement readiness, tax optimization opportunities, insurance gaps, and personalized insights.

4

Explore 128 Interactive Tools

Dive deeper with pre-populated calculators. Compare retirement strategies, model Roth conversions, analyze debt payoff options, plan your estate, and more.

Why I Built This

I am Ervis Mellani, a CFP® professional, a social worker for people's financial lives. After 17 years of working in financial services, I spent eleven months building Home Office OS because I was tired of watching the industry treat people's most private information as a product. Your goals, income, debts, your net worth: that data should work for you, on your own device, and answer to no one else. So I built the tool I knew should exist.

🏆
CFP® Certified
💼
ChFC® Chartered
🛡️
CLU® Certified
🔒
Patent-Pending Tech
👨‍💻
Solo-Built

Frequently Asked Questions

Yes. Every calculation runs entirely on your device. Your data is encrypted with AES-256 and stored locally in your browser. There are zero network calls to external servers, zero analytics, zero telemetry. We don't have servers to store your data on even if we wanted to.
We're launching with 11,000 free founding member spots -- the full application, forever, regardless of net worth. After those spots fill, households under $150,000 net worth still get the app free. For households above $150K, it's $4.99/month for Intermediate ($151K-$1M) and $9.99/month for Advanced (over $1M). No feature gates. Every user gets the same 82 engines and 128 tools.
82 engines across 13 categories: core financial metrics, tax optimization (9 engines), retirement planning (9 engines), estate planning (10 engines), insurance analysis (10 engines), debt management (5 engines), business planning (3 engines), investment analysis (4 engines), financial planning (5 engines), behavioral analysis (3 engines), and specialized planning for divorce, elder care, special needs, veterans, executive compensation, and more. See the Modules page for the complete breakdown.
You need internet to initially load the application. After that, everything runs offline. All calculations, all tools, all engines work without any network connection. Your data never leaves your device.
Consumer tools like YNAB focus on budgeting. Planning tools like Boldin focus on retirement. None cover everything, and all require cloud storage. Home Office OS is the only tool that combines budgeting, retirement, tax, estate, insurance, debt, investment, and specialized planning in one local-first application. See the Market page for a detailed feature comparison with 18+ competitors.
15 immersive dashboards powered by WebGL and Three.js (industry-standard 3D visualization engines). Themes like Quantum, Sanctuary, Aurora Borealis, Living Tree, Crystal Cave, and more transform your financial data into stunning visualizations. They're not just eye candy: spatial layout helps you understand your financial picture at a glance.
A mobile app is planned for a future release. Currently, Home Office OS runs as a web application optimized for desktop browsers. The interface is responsive and works on tablets, but the full experience is best on a laptop or desktop.

Start Managing Your Finances Privately

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