Private by design
Your data lives on your device, full stop. No account to create, no cloud sync, no data harvesting. When bank feeds arrive, you hold the keys — credentials never route through us.
Local-first · macOS & Windows
See your whole financial life — without giving it away.
My Financial Life runs on your Mac or PC, stores everything locally, imports your statements, tracks every holding and currency, and shows you where your money goes. Buy it once; it’s yours.
Full-feature 30-day trial · no account · no card to start.
Your whole financial life
Accounts, investments, budgets and net worth in one app — not just spending categories. Track every holding, every currency, every transfer.
Buy it once
One-time purchase, everything included, no subscription. Major upgrades are optional and paid; your version keeps working forever.
No account. No cloud. No catch.
Privacy isn’t a setting here — it’s the architecture.
Most finance apps want your data on their servers. We don’t want it at all. Your file lives on your device, encrypted by your operating system, backed up by you. There’s nothing for us to leak, sell, or be subpoenaed for.
- Everything saved automatically — and snapshotted, so you can always roll back.
- Import statements (OFX / QFX / QIF / CSV) and connect via OFX Direct.
- Automated bank feeds (UK/EU + US) are on the way — and built bring-your-own-credentials.
The whole picture
Serious tools, quietly powerful
Built for careful savers and DIY investors who’ve outgrown spending trackers.
Net worth & accounts
Everything you own and owe, in one clear picture
Current, savings, credit and cash accounts alongside investment, property, vehicle and loan accounts. A fast multi-account register with an all-transactions view, transfers, reconciliation against statements, and payee management with aliases.
Investments
Real portfolio tracking — not just spending categories
Holdings with cost basis, unrealised and realised gains, dividends (including DRIP), and returns including IRR. Stocks, funds, bonds and options. Automatic price history via your own data-provider key, with per-security performance.
Reports
Reports that click through to the real transactions
Spending and income over time, Income & Expense, Net Worth, Category & Payee, the Sankey cash-flow view, and Investment Returns — every figure is a doorway back to the underlying transactions.
Multi-currency, done properly
True multi-currency accounts and holdings, daily FX rates, manual rates, and cross-currency transfers that record the real rate. Made for UK + US households.
Budgets with a backbone
An envelope + zero-sum hybrid: a 12-month editable matrix, per-month allocations, rollover, bills tied to scheduled transactions, a burn-down chart, and goals that span accounts.
Loans & safety net
Amortising loan accounts with a payment schedule and pay-down goals. Continuous auto-save, timestamped snapshots, a one-click data library, and light + dark themes.
MFL today → MRL tomorrow
My Financial Life, meet My Retirement Life
My Financial Life is your money today. My Retirement Life — its sister app — projects your finances forward through retirement, drawdown and tax. They’re designed to be bought together, one-time, everything included.
My Retirement Life is coming soon. My Financial Life will integrate with it via a private, user-initiated export — no live sync to a server, ever.
One price. Every feature. Yours to keep.
Try the whole app free for 30 days. Buy when you’re sure.