Everything it does

Envelopes and budgets

Money coming in lands in Income; you give it jobs by funding envelopes, and spending comes out of the envelope it belongs to.

• Ready to budget shows what hasn't been given a job yet: every account balance added together, minus everything funded into envelopes.
• Stacks group related envelopes in the sidebar: bills, everyday, saving.
• Split a purchase across envelopes, such as one shop that was part groceries and part household goods.
• Rules file spending for you: a payee you've assigned before goes to the same envelope, and your own rules ("anything from QuikTrip is Gas") are applied as transactions arrive.
• Move money between envelopes at any time; an envelope can't be overdrawn by a transfer, so a shortfall is never hidden.
• Budgets say how much each envelope needs and how often, from monthly groceries to a yearly insurance premium funded a little each month, and fill envelopes from Income in one step.
• Spending history beside each budget shows the lowest, highest and average month, so the amount you plan is grounded in what the envelope really costs.

Importing transactions

Bring your transactions in from the files your bank already gives you (an export, a spreadsheet or a statement) or, if you choose, straight from your bank. Drop a file on the window; the app reads it, works out which of your accounts it covers, and shows each account's transactions for you to accept.

• QFX and OFX bank exports, read as they are.
• Spreadsheets (CSV): say once which column holds what, and every later file from that bank is read the same way.
• PDF statements: the first time a bank's statement arrives, the app finds the dates, balances and transactions and highlights them on the page for you to check. Every statement in that layout after that reads itself. It needs the PDF your bank lets you download; a scan or photo of paper can't be read. How PDF import works.
• Several accounts in one file, such as checking and savings on one statement, are split up and each imported into its own account. An account the app doesn't recognise yet can be created from the statement, starting at the statement's opening balance.
• No duplicates: transactions already recorded are recognised and left out, and anything that only looks similar is flagged for you to decide.
• Transfers between your own accounts in the same file are found after import and offered to link.
• Straight from your bank, if you want: SimpleFIN is a separate service that gives the app read-only access to your accounts ($1.50 a month or $15 a year, plus tax, as of November 2, 2026). Your bank password never reaches the app, and transactions come in when you press Sync now, never on their own. Files need no connection at all.

Reconciliation

Reconciling checks your records against your bank's statement until they agree to the cent. How reconciliation works.

• On import, accepting a statement reconciles it for you whenever its figures allow.
• By hand, tick off each line on the statement until the difference reaches $0.00. The app checks the arithmetic itself and won't finish while anything is out.
• Locked afterwards: reconciled transactions can't be changed by accident, so last month stays last month. A mistake can still be undone deliberately.
• A reminder mark shows which accounts have a statement that hasn't been reconciled yet.

Reports and reminders

• Reports for any date range: income against expenses, a breakdown of where the money went, and the trend of your largest expenses, grouped by account, bank, envelope or stack.
• Statement reminders on the day each account's statement is due, and payment reminders for credit cards and loans, in the app and by email where mail is set up.

Your data stays yours

• Stored on your computer, or the server you run, and never sent to us. No bank password is ever asked for.
• Export a whole book as one file at any time, and import it again on another computer.
• Never locked out: if a subscription lapses, everything stays readable and exportable.
• Crash reports only if you agree, with personal details removed before anything is sent.

Your own server, your household

• Desktop: macOS, Windows, Linux, updating itself with the release notes shown first (the Linux .deb version tells you when a new one is out).
• Server: one Docker container with PostgreSQL, for 64-bit Intel/AMD and ARM (a Raspberry Pi works). Everyone signs in from their own browser. More about self-hosting.
• Up to four people, each with their own sign-in, and two-factor sign-in with an authenticator app or emailed codes.
• Up to five books: personal, joint, a business, a rental, each with its own accounts and envelopes.

Try it

Every feature, free for 30 days, no card needed. Then $39 a year or $3.99 a month.