Free: $0/forever with 1 worksheet, desktop app (offline), and all core features. Premium: $6/month (billed yearly at $72/year or $9/month), includes unlimited worksheets, cross-device sync, mobile app access, web and desktop access, and priority support. 30-day free trial available with no credit ca
Free 35-day trial with no credit card required. After trial: $7 per month or $50 per year (40% discount over monthly plan).
Key features
Continuous timeline view of past, present, and future financial life
Automatic projection of recurring income and expenses
Multi-currency and cryptocurrency support
100% offline desktop app with optional encrypted sync
Cross-device sync for Premium users
CSV and JSON import and export with no lock-in
Mobile app for quick transaction capture
Works on Web, Windows, macOS, Linux, iOS, and Android
No signup or bank credentials required to start
Auto-reconciliation of account balances
Real transaction names via email cross-reference
Zero-based budgeting
Custom budget categories
Bank account connection
Keyboard accessibility
Mobile web browser support
Transaction categorization and review
SOC-2 certified servers with industry-leading encryption
What makes it different
No signup, no bank linking, and works completely offline without any data selling or tracking
Automatic recurring transaction projection so every future date shows your actual expected balance
Single continuous timeline showing entire financial life instead of pages or months to click through
Full data ownership with import/export in CSV and JSON preventing any vendor lock-in
Built by former YNAB users who wanted a simpler alternative
No funding, no brand deals, independent team focused on helping people
Friendly, realistic approach without forcing strict methodology
TinyCashflow
Ranger