Finzytrack
Open-source personal finance software for people who want to understand their finances without giving up privacy or control.
Available for macOS, Windows, and Linux.
What Finzytrack does
Section titled “What Finzytrack does”Personal finance software is useful along four dimensions. Finzytrack is designed to be strong across all four.
Import
Section titled “Import”Get your financial data in — however it arrives.
- OFX / QFX files — the simplest path, no setup required
- CSV and Excel files — import using rules (written by hand or generated by AI from a sample file), or skip rules entirely and let AI parse the file directly each time
- PDF statements and images — AI reads the file and extracts transactions, no rules needed
- Email — import directly from transaction notification emails your bank sends you, without handing your login credentials to a third-party aggregator
- Manual and natural-language entry — type a transaction by hand, or describe it in plain English and let AI parse it
Transactions can be autocategorized and reviewed during import.
Search
Section titled “Search”Find any transaction, instantly.
The global search bar is available from any screen — type a payee name or description and get matching transactions from across your full history. For more advanced filtering by date, amount, account, or combinations of criteria, the Transactions view gives you the full set of filter controls.
Analyze
Section titled “Analyze”Run the numbers. Get precise answers.
Write SQL or Beancount queries against your data for custom analysis — top expense categories, monthly trends, net worth over time, anything you can express as a query. Or have an agentic conversation with your data through the AI assistant: ask questions in plain English, drill down with follow-up questions, and let the AI translate your intent into queries and run them for you. The query engine is always directly accessible; AI is just a faster path to the same place.
Visualize
Section titled “Visualize”Turn any query or analysis into a dashboard widget — a chart, a table, a KPI — that updates automatically whenever your data changes. Build a dashboard that reflects how you think about your finances.
Private by default
Section titled “Private by default”Finzytrack runs entirely on your computer. Your financial data is yours — no third party has access to it, for any reason.
No telemetry. The app makes no outbound network requests unless you initiate them: importing email goes directly to your mail provider, AI features go directly to the model provider you configured, and nothing else leaves your machine.
If you use AI, you choose the model and the provider — including a local model if you prefer to keep everything on-device — or a cloud provider you trust. You decide what gets shared and with whom. See What data is shared with AI for the full details.
Your data, forever
Section titled “Your data, forever”Every transaction you ever 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. No proprietary database. No export step. No lock-in.
If you stop using Finzytrack tomorrow, your data is right there: a plain text file, fully readable, yours forever.
Powerful with AI, complete without it.
Section titled “Powerful with AI, complete without it.”AI is entirely optional. Everything in Finzytrack works without it — this documentation covers all of it. AI simply makes things faster and easier:
- Import — hand a statement to the AI and it figures out the format. It can then 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.
Inspect the code, verify the privacy
Section titled “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.
Get started
Section titled “Get started”- Installation — get Finzytrack running on your machine
- Quick Start — a guided tour from first launch to first import
- Views — learn what each screen does
- Reference — deep dives into configuration and queries