Private personal finance app that runs entirely on your computer
Stage
Not given
Not given
Founded
Not given
Not given
Based in
US
Not given
Pricing model
Freemium
Free trial
Pricing
Base: $5/month billed annually or $9.95/month billed monthly. Investor: $8.25/month billed annually ($99/year) or $12.95/month billed monthly. Both include a 7-day free trial.
Free for 30 days, then $99 USD once (includes all future updates)
Key features
Ask Claude, ChatGPT, or any MCP client about spending, budgets, and balances
10,000+ US bank connections via Plaid
Automatic transaction categorization with user-defined rules
Auto-sync transactions to Google Sheets and Excel
Track cards, loans, balances, APRs, and due dates
Split mixed purchases into budget categories
Connect investment and retirement accounts
Scheduled check-ins and recurring tasks via AI
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
No data stored on servers; credentials stay with Plaid and money never moves through OpenBudget
One subscription with everything included; no ads or data selling
Automatic spreadsheet sync with no manual CSV exports
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
OpenBudget
Maali