Sumhouse

Sumhouse is a personal finance app for Mac, and it never asks for your bank login. You download your statements from the bank (PDF, CSV or OFX/QFX) and drop them in. From there it sorts transactions into categories using rules you set up. Credit card payments and transfers between your own accounts get linked, so they don't inflate your income or get counted twice. It also picks out recurring subscriptions and tells you when one goes up in price. Budgets and a net worth history are in there too.

All of it is kept in one encrypted SQLCipher database on your Mac. You lock it with a passphrase, and Touch ID gets you in day to day. You don't create an account, and there's no Sumhouse server holding a copy of your data. The app doesn't send usage stats either. It only ever talks to two places: Lemon Squeezy, when it checks your license key, and the Sumhouse website, when you ask it to check for updates. If you ever want to leave, one button exports everything as plain JSON, and the file format is documented.

If you're moving over from Mint, YNAB, Monarch or Copilot, Sumhouse can read their CSV exports, and your categories come with you.

To be clear about the limits: it doesn't connect to your bank, and there's no phone app. That's on purpose. In practice you download your statements about once a month and import them.

It needs macOS 12 or later and runs on Apple Silicon and Intel Macs. It's signed and notarized, so macOS opens it without warnings. The first 100 licenses are $34.99, paid once. After that the price goes to $49.99. You can try every feature for 14 days without entering a card.