Maali vs Back to the Points
A side-by-side comparison built from both listings. Blank cells mean the company has not given that detail; we never guess.
Maali compared with Back to the Points
| Detail | 
Maali | 
Back to the Points |
|---|
| What it does | Private personal finance app that runs entirely on your computer
| Track, value and redeem credit card rewards, airline miles and hotel points in one place
|
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| Stage | Not given
| MVP
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| Founded | Not given
| Not given
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| Based in | Not given
| IN
|
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| Pricing model | Free trial
| Free
|
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| Pricing | Free for 30 days, then $99 USD once (includes all future updates)
| Free during early access
|
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| Key features | - 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
| - Connect multiple credit cards and loyalty programs securely without storing passwords
- Alerts before loyalty points and miles expire
- Best card recommendation based on which card earns most for a purchase
- Bank-grade encryption for secure connection
- Read-only access to loyalty data without storing card details
- Calculate point valuations based on real achievable redemptions across programs
- Support for major Indian credit card issuers including HDFC, Axis, ICICI, SBI and American Express
- Support for major airline and hotel programs including Air India, Singapore Airlines, Marriott and Hilton
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| What makes it different | - 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
| - Consolidated view of scattered loyalty points across multiple cards and programs in one dashboard
- AI-powered recommendations on which card to use before you spend to earn maximum value
- Personalized comparison of redemption options to avoid wasting points on low-value exchanges
- AI wallet that understands your rewards and recommends what to do with them, not just tracking
- Shows exact point costs before booking flights, hotels and upgrades directly through the app
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| Community votes | 0 | 0 |
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| DR (Domain Rating by Ahrefs) | 4 ▲ +1 (up) since last check | Not checked yet ● no change since last check |
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| Trust Flow (Majestic) | 8 | 0 |
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| Citation Flow (Majestic) | 23 | 0 |
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| Referring domains (Majestic) | 26 | 0 |
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5 details filled in for both companies.
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