rafe / development / shmoney

GitHub

Your money, on your machine.

A personal finance app that runs entirely on your computer. Sync your banks, budget with envelopes, save toward goals, build reports, and ask questions about your spending. It all lives in one SQLite file, with no account and no cloud.

Free and open source ยท Windows, macOS, and Linux

On a larger screen, the app below is live, with sample data.

shmoney transactions view with net worth, search and filters, and a categorized transaction list
Every transaction in one place
Sync your banks through SimpleFIN or import statement files. Rules and an offline model categorize everything.
shmoney accounts overview
Accounts and net worth
Investments next to cash, with net worth as one number. Transfers between your accounts never count as spending.
shmoney envelope budget view
Envelope budgets
Fill envelopes each month and watch them drain as you spend.
shmoney goals page with savings goal cards showing progress, pace, and on-track status
Savings goals
Pick a target and the accounts that fund it. Progress and pace come straight from your transactions.
shmoney chat answering a finance question with a generated income-versus-spending chart
Ask about your money
An on-device model answers in plain English and charts the results. Answers link to the transactions behind them, so you can check any figure. Nothing leaves your computer.
shmoney spending report with stat, bar, pie, and line widgets
Custom reports
Build dashboards from charts, tables, and stats, or start from a ready-made one. Any chart opens the transactions behind it.
shmoney activity log of reversible changes
Undo anything
Every change is logged and can be reversed, bulk edits included.

Privacy

Nothing leaves your machine. Your data lives in one SQLite file, bank credentials stay encrypted in your OS keychain, and there is no account and no telemetry. shmoney only connects to your SimpleFIN bridge when you sync, Hugging Face once to download the model, and GitHub to check for updates, and it never uploads anything to them. It takes a backup every day that you can restore from Settings, and everything exports to CSV.

Get shmoney

Free and open source under the AGPL-3.0 license. shmoney is pre-1.0.