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From the Microsoft Store — My Financial Life 1.0.0 for Windows 11 is coming soon to the Microsoft Store. It is a one-time purchase: no subscription, no account of ours to create and no licence key. The getting-started guide takes you from the welcome page to your first import.

Windows 11, version 22H2 or later, on x64 or ARM64 PCs. A Mac version is coming later through the Mac App Store; there is no date yet.

It is a one-time purchase, with no subscription and no in-app purchases. The Microsoft Store shows the price in your currency.

In a single .mfl file on your own PC, wherever you choose to keep it — the app suggests Documents\My Financial Life for a new file. There is no cloud account and nothing is sent to us. Settings ▸ Your data shows where the file is.

Yes. The first time you open a file in a cloud folder, the app explains the risk once — a sync service can copy the file mid-save, and two computers editing it at the same time can lose changes — and suggests a folder on this PC. If you keep it in the cloud folder anyway, the app keeps its own backups of it on this PC. The cloud service holds a copy under its own terms.

The app takes automatic snapshots while you work, and File ▸ Snapshots and saved copies… lets you restore one or keep a named copy. Snapshots live in the app’s own folder in your local app data, and uninstalling the app removes them — it never removes your .mfl file. Snapshots are a safety net, not a backup: copy the file itself somewhere safe, as you would any important document.

Not by the app. It is protected the way your other documents are: by your Windows sign-in, and by BitLocker or Device Encryption if you have it turned on. You can also require Windows Hello when the app opens (Settings ▸ Safety and privacy). Treat copies of the file as you would bank statements.

No. You download statements from your bank’s website — OFX, QFX, QIF or CSV — and import them, reviewing everything before it is saved. Automatic bank downloads are something we are considering, not a promise.

Only if you set it up to. If you add your own keys for Tiingo (security prices) or Open Exchange Rates (exchange rates), the app asks those services for prices and rates, sending ticker symbols or currency codes and your key — never your balances, accounts or transactions. There is no analytics, advertising or tracking. The privacy policy has the details.

Purchases are made and paid for through the Microsoft Store, so refunds are handled by Microsoft under its own refund policy — we never see your payment details and can’t issue a refund ourselves. Request one from your order history in your Microsoft account (account.microsoft.com). If something isn’t working, please write to us as well: we would rather fix it.

Email support@garelochsoft.com. If it helps, Settings ▸ Safety and privacy ▸ Export diagnostics saves a small text file you can attach: the app and Windows versions, the size of your file (counts, never contents) and recent errors, with personal folder names removed. Nothing is sent unless you send it. Please don’t email your .mfl file.