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Personal finance that stays personal.

Open-source software for people who want to understand their finances without giving up privacy or control.

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Finzytrack Year Summary dashboard showing monthly income, expenses, and savings

Example dashboard: Year summary

All numbers and transactions shown are fictitious.

Built for the full journey

Strong where it matters.

Import: Get your financial data in — OFX/QFX, CSV, Excel, PDF statements, bank emails, or manual and natural-language entry. Transactions are autocategorized on import for you to review.
Search: Find any transaction, instantly. A global search bar available from any screen. For deeper filtering by date, amount, account, or criteria combinations, the Transactions view gives you full control.
Analyze: Run the numbers. Write SQL or Beancount queries — top expense categories, monthly trends, net worth over time. Or ask the AI assistant questions in plain English and drill down with follow-ups.
Visualize: Turn any query or analysis into a widget — a chart, a table, a KPI — that auto-updates as your data changes. Build dashboards to fit how you think about your finances.

Private by default

Runs entirely on your computer.

Your data stays on your machine — no third party has access to it, for any reason.

AI is entirely optional. If you use it, you choose the model and provider — including a local model if you prefer to keep everything on-device, or a cloud provider you trust. See exactly what data is shared with the AI model.

No lock-in

Your data in plain text, forever.

Every transaction you record lives in a single plain-text Beancount ledger file — readable by any text editor and supported by a wide ecosystem of open-source tools.

If you stop using Finzytrack tomorrow, your data is right there: a plain text file, fully readable, yours forever.

ledger.beancount — plain text, readable by any editor

; A sample transaction, as stored on disk
2024-03-15 * "Whole Foods" "Monthly groceries"
  Expenses:Food:Groceries        127.43 USD
  Assets:Checking              -127.43 USD

Beancount uses double-entry bookkeeping — a rigorous method for tracking money with a long history in accounting. If those words mean nothing to you, don't worry: Finzytrack handles the bookkeeping mechanics so you don't have to think about them.

AI, on your terms

Powerful with AI, complete without it.

AI is entirely optional. Everything in Finzytrack works without it — the documentation explains how. AI simply makes things faster and easier:

Import: Hand a statement to the AI and it figures out the format. It can generate reusable import rules for that source (so future imports need no AI), or pull the transactions out directly without any rules at all.
Categorization: No prior transaction history? No problem. AI can categorize imported transactions from scratch — inferring expense categories, accounts, and tags from the transaction description alone.
Queries: Ask financial questions in plain English instead of writing SQL.
Dashboards: Build charts and visualizations through conversation.
Transaction entry: Describe a transaction naturally and let AI parse it.

Bring your own model.

Connect any OpenAI-compatible or Anthropic model — local or cloud-based. You decide what gets shared and with whom.

Open source and sustainable

Inspect the code, verify the privacy.

Finzytrack is open source (GPLv2). To keep development sustainable, we may offer optional paid services in future — a privacy-friendly hosted AI model, signed auto-updating binaries, or a hosted web version. The desktop app will remain open source, and you will always be able to choose which AI model to connect — including running one locally.

View on GitHub