Private & local-first personal finance

Budgeting that stays yours.

Financy is a fast, private zero-based budgeting app for desktop and mobile — give every dollar a job, backed by real double-entry accounting. Your data stays in a single encrypted file you own. No cloud, no account, no tracking.

Download Financy View source

Linux · Windows · macOS · Android (beta) — free & open source (MIT)

Financy zero-based budget with Ready to Assign and category envelopes

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Private by design No cloud, no account, no telemetry — ever.

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Local-first One .financy file that lives on your device.

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Encrypted XChaCha20-Poly1305, unreadable without your passphrase.

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Open source Auditable code, MIT licensed, yours to fork.

Zero-based budgeting, backed by real accounting

Everything you need to plan every dollar — with numbers that never lie.

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Zero-based budget

Give every category a job until Ready to Assign hits zero. Track Assigned · Activity · Available per envelope, with balances that roll forward and overspending in red.

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Honest Ready to Assign

One global pool drawn from your real on-budget balances. Assign to any month — even a future one — and it draws down today. You can't budget money you don't have.

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Credit cards & tracking

Card spending nets against the budget so it stays budget-neutral. Mark investments or a mortgage as off-budget — counted in net worth, not in assignable cash.

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Real double-entry

Every transaction is balanced postings that sum to zero. Your budget, balances and net worth are derived from one journal — they can't go inconsistent.

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Optional encryption

Protect a document with a passphrase and the file is encrypted at rest with XChaCha20-Poly1305 and an Argon2id key. Decrypted only in memory — never in plaintext on disk.

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Debts & installments

Track BNPL and installment plans on a fixed schedule. Each debt becomes its own budget envelope and off-budget liability, so paying it down stays Ready-to-Assign neutral.

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Analytics

KPIs, income-vs-expenses, net-worth trends and spending by category — all derived from your journal, so they never drift from your transactions.

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Desktop & mobile

A native desktop app and a touch-first Android build (beta) from the same codebase — budget on your laptop, capture spending on your phone.

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Local-first & yours

Each document is a single .financy SQLite file, auto-saved with ACID writes. No cloud, no account, no save button — just your data on your machine.

A look inside

The desktop app, from first run to full analytics.

Zero-based budget — Budget: Ready to Assign, with Assigned · Activity · Available per category.

Accounts and net worth — Accounts & net worth, with on-budget and tracking accounts.

Analytics dashboard — Analytics: KPIs, cash-flow & net-worth trends, spending by category.

Transactions journal — Date-grouped transaction journal with filters and search.

Categories — Income & expense categories, managed from Preferences.

Data summary — A clear summary of everything in your document.

Financy on mobile Android · beta

A touch-first UI built from the same codebase — capture spending on the go, check your budget anywhere. See MOBILE.md for status and what's not ported yet.

Get Financy

Grab the build for your platform from the latest release. Builds are currently unsigned, so Windows/macOS may ask you to confirm before the first run.

🐧 Linux

Install the .deb or .rpm, or extract the .tar.xz and run.

🪟 Windows

Run the .exe. SmartScreen → More info → Run anyway.

🍎 macOS

Unzip, move to Applications. First launch: right-click → Open.

📱 Android

Beta .apk attached to releases. Allow install from unknown sources.

Download the latest release

Or build from source: git clone the repo and run make run.