Private personal finance app that runs entirely on your computer
Simple zero-based budgeting for spending clarity
Stage
Not given
Not given
Founded
Not given
Not given
Based in
Not given
US
Pricing model
Free trial
Freemium
Pricing
Free for 30 days, then $99 USD once (includes all future updates)
Free: $0/month. Pro: $99.00/year ($8.25/month when billed yearly) or $12.99/month when billed monthly. Eligible U.S. App Store subscribers get 14 days free trial, then $99.00/year.
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
Zero-based budgeting method
Manual transaction tracking
Intelligent recommendations for tracking
Recurring line items
Search across transactions and budget items
Export to CSV or XLSX
Cross-device sync
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
Built on simplicity by design, avoiding bloated features most people don't use
Free plan includes core budgeting without paid features
Works seamlessly across iOS, iPad, and web with real-time sync
Maali
OnTrack Money