Built by @CoachZubair  ·  Follow for investing tips, trading analysis & finance content
Live beta · free for personal use

Know exactly
where your money goes.

Import your bank statements, get every transaction categorized, and build a month-by-month history of your finances. Runs on your computer. Nothing sent anywhere.

App demo

Mac

Apple Silicon · M1 and later

Heads up: macOS marks unsigned apps as “from an unidentified developer.” You’ll need one Terminal command on first launch (full instructions appear after you unlock).

🔒 Get the DMG

Windows

Intel/AMD x64 · ARM64 available

Heads up: SmartScreen blocks unsigned installers. Click “More info” → “Run anyway” once and Windows remembers.

🔒 Get the EXE ARM64 build (Surface Pro X / Copilot+)

Browser

Chrome or Edge on desktop

No install, no security warning. Drop in your statements, see your dashboard — all inside the tab. Your bank data never gets uploaded anywhere; the browser physically blocks it from leaving.

🔒 Open the web app

Drop your email to unlock the links

No spam — we’ll only ping you when there’s a real update. Pick your platform above first if you’d like; the buttons activate as soon as you submit.

No spam. Unsubscribe any time.

✅ Links unlocked above — we sent a copy to your email too.
Mac — one extra step on first launch

We don’t have an Apple Developer ID yet, so macOS marks the app as “from an unidentified developer.” On macOS 14 (Sonoma) and earlier you can right-click → Open. On macOS 15 (Sequoia) / 26 (Tahoe) that path is gone — here’s what to do instead.

If double-click shows “damaged” or “can’t be opened”:

  1. Drag Personal Finance.app from the DMG into /Applications.
  2. Open Terminal.app (Cmd+Space, type “Terminal”).
  3. Paste and run this one line, then press Return:
    xattr -dr com.apple.quarantine "/Applications/Personal Finance.app"
  4. Double-click the app from /Applications — it’ll open normally.

What that command does: macOS adds a “quarantine” tag to every file you download from the internet. The tag is what tells Gatekeeper to refuse to launch an unsigned app. Removing the tag from the installed copy is the supported equivalent of right-clicking → Open on older macOS — it only affects this one app, doesn’t touch any other files, and doesn’t turn off Gatekeeper.

Windows: double-click the EXE. SmartScreen will say “Windows protected your PC.” Click More infoRun anyway.

Free · No subscription · No cloud · No data leaves your machine

v0.1.27 · built 2026-05-14 17:21 UTC

Z
Coach Zubair
@coachzubair
Investor, finance educator, and builder. I post about markets, Halal investing, and personal finance.

What it does

🏦

Import any statement

Drop in CSVs from BMO, TD, Simplii, Wise, PayPal, Amazon, Instacart, or any Canadian bank export. The app detects the format automatically.

🧠

It learns as you go

Fix a category once and it sticks. Every future import applies it automatically.

🤲

Zakat & charity tracking

Separate Charity category with Zakat, Sadaqah, and Donation tracking built in. Always split from regular spending.

📊

Monthly KPIs & charts

Income, expenses, and net. Category and subcategory charts updated on every import.

🔒

Fully private

All data stays on your machine. No account, no server, no internet needed.

🕰️

Full history

Every processed month is saved. Switch months in one click. Older months are read-only.

How it works

1

Export your statements

Download CSVs from your bank (BMO, TD, Simplii, Wise, RBC, CIBC, or others), PayPal, Amazon, or Instacart for the month and put them in one folder.

2

Click "Process statements"

Pick that folder in the app. Processing takes a few seconds and every transaction lands in the right month.

3

Review and edit

The dashboard refreshes with KPIs, charts, and a full table. Recategorize anything in one click.

4

Build your history

Repeat each month. Your category history builds up and each run needs less cleanup.

Your data stays on your machine.
Full stop.

There's no server receiving your statements. No analytics pinging home. No account tied to your email. The app reads files on your computer and writes files on your computer. That's it.

📵

No internet required

Works completely offline after installation.

🗄️

Local files only

Everything is stored as plain JSON on your own computer.

👤

No account

Nothing to sign up for. Nothing that can be breached.

🗑️

Delete anytime

Uninstall and your data is gone. Nothing left on any server.

Works with

We support PDF statements and CSV exports. Tested with:

🏦 BMO 🏦 TD 🏦 RBC 🏦 CIBC 🏦 Simplii 💱 Wise 💳 Mastercard 💳 Visa 🅿️ PayPal 📦 Amazon 🛒 Instacart