Private personal finance app that runs entirely on your computer
Know the day you'll be debt-free
Stage
Not given
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Founded
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Based in
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Pricing model
Free trial
Freemium
Pricing
Free for 30 days, then $99 USD once (includes all future updates)
Free for core features. Premium available as monthly subscription, yearly subscription, or one-time lifetime purchase. Premium subscriptions include a free week trial.
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
Debt payoff tracking with snowball and avalanche methods
Bill and payment reminders
Home screen widgets and Siri voice commands
Supports 44 languages and all major currencies
Shared budgets and goals with family or partners
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
Shows the exact month you'll be debt-free
Data stored only on your iPhone and iCloud, not Spendry's servers
Works offline with local calculations
Automatic reminders for bills, cards and subscriptions even when app is closed
Maali
Spendry