I replaced 4 SaaS subscriptions with free browser tools I built myself

I was paying for: An invoicing tool (£12/month) An expense tracker (£8/month) A project management app (£10/month) A cash flow forecaster (£15/month) That's £540/year. For a solo freelancer. So I built my own versions. They run entirely in the browser, use localStorage for persistence, and cost exactly nothing to host (static HTML on Cloudflare Pages). Here's what I replaced and how: 1. Invoice Generator → Free My old tool: FreshBooks (£12/month) The replacement: A single HTML page with vanilla JavaScript. Fill in client details, add line items, toggle VAT on/off, preview, and download as PDF using the browser's print-to-PDF. What I lost: Automatic payment reminders, client portal What I gained: £144/year, zero vendor lock-in, complete control → Try it 2. Expense Tracker → Free My old tool: Xero Simple Start (£8/month) The replacement: A localStorage-backed tracker with HMRC categories built in. Add expenses, see category breakdown, export to CSV when tax return time comes. What I lost