Private by design
Everything lives in one file on your own PC. No account, no cloud service, no tracking and no advertising — the app sends nothing to us.
Windows 11 · version 1.0.0
Your money, on your PC.
Accounts, budgets, investments and net worth in one private file that never leaves your computer. No subscription, no cloud account, no adverts.
Coming soon to the Microsoft Store
One-time purchase · no account · works offline · x64 and ARM64
Built for complicated money
Several currencies, each converted at the rate for the date. Investments with purchase lots and cost basis. Pensions, property, vehicles, loans and mortgages.
Buy once
A one-time purchase through the Microsoft Store. No subscription, no adverts, no in-app purchases.
No account. No cloud. No catch.
Your financial data stays on your PC.
It lives in a file you choose, and we never receive it. The app goes online only if you ask it to: if you add your own keys for price or exchange-rate updates, it sends those services ticker symbols or currency codes — never your balances, accounts or transactions.
- Works fully offline.
- One
.mflfile you can copy, back up or move like any other document. - Optional Windows Hello lock when the app opens.
- Your price and exchange-rate keys are kept in Windows’ own credential store, never in your file.
The details are in the privacy policy.
The whole picture
Serious tools, quietly powerful
For people whose money is more complicated than one current account — multiple accounts, multiple currencies, property, loans, and a portfolio with real holdings and real cost bases.
The register
A register you can type straight into
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. It stays fast with tens of thousands of transactions.
Budgets
Budgets that show where you are
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.
Investments
Investments, properly
Record buys, sells, dividends, reinvested dividends, share transfers and stock splits. See holdings with their purchase lots, cost basis, unrealised and realised gains, money-weighted returns and income. Prices and exchange rates can update automatically with your own free keys from Tiingo and Open Exchange Rates, or be entered by hand.
Reports
Reports that answer real questions
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, and click a figure to see the transactions behind it.
Import
Import your statements, carefully
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 matched, duplicates are flagged, and rules file payees and categories for you next time. Changed your mind? Undo the whole import.
Stay on top of the routine
Schedules for regular bills and income, with reminders. Reconcile an account against its statement and tick items off until nothing is missing. A Loans page shows what you owe, the payment schedule and when each loan ends.
Several currencies
Hold accounts and investments in different currencies, each converted at the rate for the date, so last year’s figures stay right.
Safe by design
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.
My Financial Life does not connect to your bank. You bring transactions in by downloading statements from your bank’s website and importing them, or by typing them.
Try it first
Look around an invented household
Choose Explore with sample data on the welcome page to look around a made-up household’s finances — accounts, a portfolio, a mortgage and a budget. Change anything you like, and reset it whenever you want. Your own file is never touched.
Sister product · In development
My Retirement Life
My Financial Life is your money today. My Retirement Life projects it forward through retirement, drawdown and tax. The two are designed to exchange data, so a salary change or property sale recorded here can feed the projection — as a file you choose to move, never a server sync.
Buy once, and keep your data yours.
My Financial Life 1.0.0 for Windows 11, on x64 and ARM64 PCs — a one-time purchase through the Microsoft Store. A Mac App Store version is coming later.
Coming soon to the Microsoft Store Getting started