One purchase, every feature — no tiers, no add-ons, no subscription. Here’s the whole thing, grouped the way the app is.
Home gives you your net worth, this month’s budget, the bills coming up and how your investments are doing — and every figure opens the detail behind it. See today’s balances, or where they will be once scheduled bills are paid.
Current accounts, savings, credit cards, investments, pensions, property, vehicles, loans and mortgages, organised into folders you choose. Type straight into the register, just like a spreadsheet: payees and categories complete as you type, splits and transfers between accounts are built in, and you can search, filter and edit many transactions at once.
Bring in statements downloaded from your bank as OFX, QFX, QIF or CSV. Nothing is written until you have reviewed it: transactions you already entered are spotted and matched, duplicates are flagged, and rules file payees and categories for you next time. Changed your mind? Undo the whole import.
My Financial Life does not connect to your bank. You download statements from your bank’s website and import them, or type transactions in.
Plan by month or across the year, set goals for saving or paying down a debt, and watch a burn-down chart that shows whether you are on track for the rest of the month. A budget line can become a scheduled bill.
Cash Flow shows where the money came from, what you kept and where the rest went, in one picture.
Net Worth now and over time, Cash Flow, Income & Expense, Spending and Income Over Time, Category & Payee, Account Summary, Investment Returns and Investment Income. Filter and save them, export the spending and income reports to CSV, and click a figure to see the transactions behind it.
Net worth across every account — cash, investments, property, vehicles and debts — now and over time.
Record buys, sells, dividends, reinvested dividends, share transfers and stock splits. See holdings with their purchase lots, cost basis, and unrealised and realised gains.
Investment returns, dividends and money-weighted performance over any period. Prices and exchange rates can update automatically with your own free keys from Tiingo and Open Exchange Rates, or be entered by hand.
Schedules for regular bills and income, with reminders. Reconcile an account against its statement and tick items off until nothing is missing. Pair up transfers imported from both sides. A Loans page shows what you owe, the payment schedule and when each loan ends.
Hold accounts and investments in different currencies, each converted at the rate for the date, so last year’s figures stay right.
Automatic snapshots while you work, one-click restore (which takes a safety snapshot first) and named copies you can keep. A file is backed up before it is ever upgraded. You can require Windows Hello when the app opens, and your price and exchange-rate keys are kept in Windows’ own credential store, never in your file.
Light and dark themes that follow Windows, keyboard shortcuts throughout, open any report or account in its own window, recent files on the taskbar icon, and double-click a file to open it.
For Windows 11 on x64 and ARM64 PCs. A Mac App Store version is coming later.
