“What happens to my data if I cancel?”

Nothing. That’s the whole answer, and it’s the point.

Since Mint shut down and took a decade of financial history with it, this has become one of the first questions people ask about any budgeting app — and every cloud app has to answer it with a data-export FAQ and a retention policy. Coffer answers it with architecture: your transactions, budgets, receipts, and history live in files on your own computer. We run no database of your finances. Canceling ends the services a subscription pays for — the AI assistant, the bank-connection relay, updates — and changes nothing about your data, because we never had it.

What canceling actually does

• Your local app keeps opening, and everything already on your machine stays readable.
• The bank relay and AI assistant stop (they cost us money per use).
• On request we delete the little we do hold: your account record and license. Gone means gone — there is no financial data to “also” delete.

Compare the answers

Ask any budgeting app these three questions: Where is my data? What happens when I cancel? What happens if you shut down? For every cloud app the honest answers involve their servers, their retention policy, and their export tools. Ours are: your computer, nothing, and nothing.

More: the privacy page in plain words · life after Mint · the live demo