Numbers from statements, not bank logins
You type the balance, APR, and minimum payment. Same numbers you'd read off a bill. There's no Plaid integration, no read-only token, no transaction scraping.
Actually. · About
About Actually.
A small project with one goal: make the lifetime cost of debt visible without asking you to hand over a bank login. Built by one person, for people who want their financial data to stay theirs.
Why this exists
Most debt apps quietly cost you something else.
The free debt apps mostly ask you for your bank credentials, scrape your transactions, and then quietly sell or use that data — through advertising, credit-card cross-sells, or third-party data partnerships. Actually. is built on the opposite premise: you enter your numbers from a statement, the app does the math on your device, and nothing leaves your control.
Storage you control
Your numbers live in a private folder in your own Google Drive — durable storage you control. We don't have a database for it. We can't reach it.
Encryption available
Set a password and the app encrypts your data with AES-256 before it's written to Google Drive. With encryption on, the file in your Drive is unreadable to anyone but you — including Google.
The architecture, in one paragraph
How "we don't store your data" works in practice.
Actually. is a Progressive Web App. The whole thing runs in your browser. The math happens on your device. When you sign in with Google, your data is saved to a private folder in your own Google Drive (the app-data folder, which other Google apps cannot see). We never see the file. Our servers are a small Netlify function set used only to confirm Stripe donation payments. There is no user database, no analytics SDK in the app, no advertising network. There is nothing on our side that connects your debt numbers to your name. This isn't a marketing line; it's the only architecture this app has.
Who builds it
A one-person shop.
Actually, LLC is a single-person company based in Utah. The app, the calculators, the website, the support inbox — all the same person. That's part of the point: small enough to mean what it says about your data.
Email reaches a real human: support@tryactually.app.
What's next