Your whole financial picture.
Only on your computer.
Personal Finance brings your bank, brokerage, retirement, credit, loan, and real-estate accounts together in one desktop app. Your data lives on your machine, not on someone else’s servers.
Your finances never become someone else’s data.
Most money apps start by moving your financial life into their cloud. Personal Finance does the opposite: there’s no account to create with us and no server of ours holding your balances. It all stays in a database on your own computer.
Stored on your computer
Accounts, balances, transactions, holdings, and projections are kept in a local database on your device. We never receive a copy.
Locked with your password
Bank connection tokens and API keys are encrypted with a key that only your password, or your 24-word recovery phrase, can unlock. Sign out and they’re sealed again.
Optional, read-only connections
Connect your institutions through Plaid to pull balances, holdings, and history automatically. It only reads; it can’t move money. Or skip it and enter everything by hand.
Your keys, no middleman
Connections use your own Plaid and RentCast API keys, so data comes straight from them to your machine. It never routes through us.
No tracking. Nothing to sell.
No analytics, no ads, no telemetry. Your data isn’t shared, sold, or used to train AI, because we never have it.
Encrypted backups, real deletion
Export everything as an AES-256-encrypted backup that standard OpenSSL can open. Deleting a profile erases its data and revokes its bank connections at the source.
Everything you own and owe, side by side
Every account. One table.
See every balance together, sorted and filtered however you like, with your net worth, assets, and debts totaled at the top.
- Organized by tax treatment. Taxable, tax-deferred, tax-free, and real estate, so you see how your money is held as well as how much there is.
- One-click refresh. Pull the latest balances, holdings, and transactions from every connected institution, plus estimated home values.
- History that builds itself. Each refresh is saved as a snapshot, so you can chart any account or bucket over time.
- Manual accounts welcome. Anything without a connection can be entered by hand and is counted everywhere.
Fifteen accounts across eight institutions, totaled in one place.
Portfolio insights, computed from the positions you already hold.
Understand what you hold.
Every position across every brokerage and retirement account in one explorer, with the patterns that are hard to see one statement at a time.
- Concentration. How much rides on your largest position, your top five, and each custodian.
- Gains and cost basis. Unrealized gain or loss across every position, with winners and losers split out.
- Drift over time. How your mix of stocks, funds, and real estate has shifted between any two dates.
- Idle cash. Balances earning less than a reference rate, shown alongside what they actually earned.
Savings rate, income streams, and every recurring charge, found automatically.
Know where it goes.
Transactions from every card and account are categorized and analyzed together, so the full pattern shows up without a spreadsheet.
- Recurring charges, surfaced. Subscriptions and bills detected with their cadence and yearly cost, and flagged when they look like they’ve ended.
- A savings rate you can trust. Transfers between your own accounts are paired and excluded, so card payments and contributions aren’t counted twice.
- Income, dividends, and fees. Paychecks, interest, and investment income, each tracked by source.
- Tax-time export. Dividends, interest, sale proceeds, and fees as CSV or JSON.
Monthly cashflow by category, with transfers and investment moves left out.
Ask “what if?”
A retirement calculator that starts from your real balances and spending, then runs the numbers forward on assumptions you control.
- Start from what you have. Balances and a rough spending estimate are filled in from your accounts. Every value stays editable.
- Model the details. Retirement age, returns, inflation, Social Security, pensions, withdrawal order, and one-off events.
- See how long it lasts. Net worth year by year, an annual cashflow table, and the age at which the money would run out.
- Compare scenarios. Save as many as you like and overlay them on one chart.
Four scenarios side by side. The stress test runs out at 81.
Every assumption is yours to set, and every result is shown year by year.
Thoughtful where it counts.
A profile for each person
Each member of the household gets their own password-protected profile on the same computer, and can switch between them.
Real estate, net of the mortgage
Track estimated home values and see your equity, not just the price.
Look back to any day
Every position, with cost basis and gain/loss, plus an as-of date picker to see your holdings on any past day.
Guided setup
A first-run guide walks you through getting your own connection keys, or straight past them if you’d rather enter things by hand.
Light and dark
Follows your system theme, or switch with one click.
Facts, not advice
Insights describe what’s there. They never tell you to buy, sell, or rebalance. The decisions stay yours.
See everything. Share nothing.
Personal Finance is available by request. Tell us a little about what you’d like to track, and we’ll be in touch.
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