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CLUSTER BUDGETS-FINANCE-OFFLINE · 22 ENTRIES · EARLIEST ENTRY 2026-06-09

Offline-first personal finance apps

This cluster consists of personal finance apps that track accounts, transactions, and budgets, with offline-first sync and cloud sync capabilities. The dated entry timeline is sporadic, with single entries in isolated months from April 2019 through December 2025, then entries in April, June, and July 2026. Goldwise leads traction with 3 stars, while Transactions-Rust and my-wallet-app have 0 stars.

Entry timeline

ENTRY TIMELINE

JAN 2022: 1JAN 2024: 1JAN 2025: 1OCT 2025: 1DEC 2025: 1APR 2026: 1JUN 2026: 1JUL 2026: 1AUG 2026: 4SEP 2026: 5OCT 2026: 5
JAN 2022OCT 2026

Each bar is the month a member carries, which is a creation date where the source published one and a crawl date otherwise. Nothing in the index was found before 11 August 2026, and coverage broadened sharply on 14–15 August, so a bar from then on reports how much we found that month, not how much was built; an earlier bar reports how far back a member's own source dated it — not how long we have been watching.

Members by activity

Activity signals, not revenue.

Build origin · 1 hand-coded · 19 unlabelled

Operator · 11 hobby · 3 indie · 1 commercial · 3 open source · 2 unlabelled

Two labels per entry, never collapsed into one: how it was built, and who stands behind it. Counted over the 20 listed below. Unlabelled means nothing has decided yet — not that the answer is small.

  1. 01goldwise3★20 days—hobbyAndroid personal finance app that tracks income and expenses offline, supports voice entry, installment plans, charts, and local backup.
  2. 02mossmint0★2 days—Desktop app for personal finance that forecasts future paychecks and plans debt payoff entirely offline without an account.
  3. 03FlowMoney-iOS0★15 days—indieA personal finance app that tracks accounts, transactions, budgets, and savings goals offline-first with sync across devices.
  4. 04jodnoi0★10 days—hobbyPersonal finance app that logs income and expenses quickly, works offline, and keeps data on the device.
  5. 05Flow-Cash-0★6 dayslivehobbyPersonal finance web app that tracks expenses, multi-currency accounts, subscriptions, debts, and savings goals while working offline.
  6. 06Denaro0★10 daysliveopen sourcePrivate offline personal finance app for tracking accounts, income, expenses, transfers, debts, and recurring transactions.
  7. 07finance-berdua-v20★5 days—hobbyPrivate shared finance app for tracking transactions, debts, savings, and household money movements with offline support.
  8. 08mizufi0★14 days—indiePersonal finance app that manages bank accounts, expenses, budgets, debts, and savings goals across shared spaces and offline.
  9. 09hisaab0★5 days—hobbyOffline-first personal finance app for India that tracks money with an encrypted local ledger and never sends data off the phone.
  10. 10Flow: Expense tracker0★1 moliveindiePersonal finance app that tracks expenses across multiple accounts and currencies, works offline, and syncs via iCloud with statistics.
  11. 11Money Manager Ex0★19 daysliveopen sourceAndroid app for managing personal finances with accounts, budgets, transactions, and encrypted cloud synchronization.
  12. 12WalleTrack0★1 mo—hobbyA personal finance app that tracks accounts, transactions, and budgets, offering insights, offline sync, and biometric lock.
  13. 13my-wallet-app0★28 days—hobbyPersonal finance app that tracks wallet balances and expense history, syncing to the cloud when enabled.
  14. 14XPENC0★10 daysliveopen sourceOffline personal finance app that tracks accounts, budgets, expenses, and dues with all data stored locally on the device.
  15. 15Account & Expense Manager0★3 molivecommercialOffline mobile app for tracking multiple accounts and daily transactions, with biometric lock, multi-currency support, and PDF or CSV export.
  16. 16household-hub0★3 mo—hobbyOffline-capable web app for household financial management that syncs data privately across multiple devices for families.
  17. 17fintrack-beta0★3 molivehobbyPersonal finance app that parses SMS transactions, tracks safe-to-spend budgets, and syncs data securely across devices.
  18. 18khamsa-geneh0★1 mo—Offline-first personal finance app that stores users' ledger data in their own cloud storage for privacy.
  19. 19NJ-s-Expense-Tracker0★2 molivehobbyPersonal expense tracker syncing data across devices with offline support.
  20. 20Personal-Expenses-App0★3 molivehand-codedhobbyPersonal finance app for tracking income, expenses, budgets, credit card debt, and investments with encrypted cloud sync.

Ranked by traction, highest first, and paged 20 at a time — this is a window on the cluster, never the whole of it. Ties are broken by a stable id so a product cannot appear on two pages or fall between them. Browse every cluster.