Money Tracker turns the statements your bank already gives you — PDFs and CSV exports — into organized, categorized spending insights. No linked accounts, no cloud, no subscription required to keep your own data.
Requires macOS 14 or later · Native SwiftUI app for Apple silicon and Intel
Drop in a bank statement and Money Tracker does the rest — parsing, categorizing, verifying, and charting every transaction, entirely on your machine.
Drag in bank statement PDFs or CSV exports. The parser reads dates, descriptions, and amounts from real bank layouts — checking accounts and credit cards alike.
Transactions are filed into categories by rules you control, learned corrections, and smart keyword matching — deterministic and predictable, so the same charge always lands in the same place.
Every import is checked against the statement's own printed totals and running balances. If a number doesn't add up, Money Tracker tells you exactly where — down to the penny.
Donut charts, category totals, and month-by-month views make trends obvious at a glance. Filter, search, and drill down to the underlying transactions.
See your average and median spend per category across every month you've imported, set monthly budgets in one click, and spot the months you went over.
Subscriptions and repeating bills are surfaced automatically — including when a subscription quietly raises its price.
"How much did I spend on dining in May?" With an optional local AI model, questions become precise queries the app runs itself — your amounts and descriptions are never shown to the model.
Imported an overlapping statement? Money Tracker flags double-counted transactions and shows exactly which files they came from, so cleanup is safe and simple.
Automatic database snapshots at every launch and before every import, one-click restore, full CSV export of all your data, and undo for destructive actions.
Most finance apps ask you to hand your bank login to a third party. Money Tracker asks for a file. Everything happens on your Mac and stays there.
Any bank that lets you download statements. PDF parsing covers common U.S. bank and credit-card statement layouts, and the CSV importer works with any export that has date, description, and amount (or debit/credit) columns — which is nearly every bank.
No — by design. Money Tracker never asks for bank credentials and never talks to your bank. You download statements yourself and drop them into the app. That's the whole security model: nothing to breach, nothing to leak.
No. The app is fully functional without them — importing, categorization, budgets, and every view work with no AI involved. The optional Ask feature (natural-language questions) uses a model that runs locally on your Mac via Ollama; nothing is sent to the internet either way.
In a local database inside your Mac's Application Support folder. The app snapshots it automatically at every launch and before every import, keeps recent backups you can verify and restore from Settings, and can export everything to CSV at any time. Your data is yours.
A Mac running macOS 14 (Sonoma) or later. It's a native SwiftUI app that runs on both Apple silicon and Intel Macs.
Email me directly and I'll get back to you — usually within a couple of days. Feature requests are welcome too; several of the app's features started as user suggestions.