A UK bill tracker that never connects to your bank
Private personal finance app that runs entirely on your computer
Stage
Not given
Not given
Founded
Not given
Not given
Based in
GB
Not given
Pricing model
Freemium
Free trial
Pricing
Free: £0, no card needed, up to 8 outgoings and 2 incomes. Pro Personal: £3.99 per month or £39.90 per year (7-day free trial). Pro Business: £12.99 per month or £129 per year, billed from day one.
Free for 30 days, then $99 USD once (includes all future updates)
Key features
Manual bill and income entry without bank connection
Payday-to-payday view for flexible pay cycles
Savings pots and bills funds for goal tracking
Debt planner with snowball and avalanche comparisons
Email and browser reminders for due bills
Partner sharing with separate personal ledgers
Invoicing and job tracker for Pro Business
Transaction import from bank statements (CSV) or SimpleFIN
Automatic transaction categorization that learns from corrections
Monthly spending analysis by category with cash flow
Local AI analyst for insights and anomaly detection
Works offline without internet connection
Supports Mac (Apple Silicon M1+) and Windows 10 & 11
What makes it different
Free plan requires no card and covers up to 8 bills and 2 income sources
Partner can join Pro Personal household for free
Works as a web app and can be added to phone home screen
All data and AI analysis run locally on your computer with no cloud servers or tracking
Works completely offline and requires no account or login
One-time $99 purchase with all future updates included
Automatic transaction categorization that learns from user corrections
Optional SimpleFIN connection keeps bank credentials on SimpleFIN's servers, never with Maali
Billify
Maali