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CLUSTER FIRST-LOCAL-BUDGETS · 17 ENTRIES · EARLIEST ENTRY 2026-02-21

Local-first personal finance apps

This cluster comprises local-first personal finance and budgeting apps that track spending, budgets, and savings goals without requiring bank logins or cloud accounts. Dated entries appear irregularly from December 2024 through July 2026, with a single entry in late 2024 and a small cluster in mid-2026, but the overall history is sparse. Among dated members, LocalFi leads in traction with 9 stars, followed by Ledgerly and griya-kas with 1 star each.

Entry timeline

ENTRY TIMELINE

DEC 2024: 2OCT 2025: 1FEB 2026: 1MAY 2026: 1JUN 2026: 1AUG 2026: 2SEP 2026: 8OCT 2026: 1
DEC 2024OCT 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 ai-built · 16 unlabelled

Operator · 5 hobby · 1 indie · 3 open source · 8 unlabelled

Two labels per entry, never collapsed into one: how it was built, and who stands behind it. Counted over the 17 listed below. Unlabelled means nothing has decided yet — not that the answer is small.

  1. 01Ledgerly1★21 days—Local-first personal finance app that tracks transactions, budgets, savings goals, and spending analytics without accounts or cloud.
  2. 02finzo2★1 mo—ai-builtLocal-first personal finance tracker that reads bank statements and budgets expenses, using an existing AI subscription for insights while keeping all data on-device.
  3. 03Simple Finance: Budget Planner0★1 moliveindiePersonal finance app for budgeting, net worth tracking, retirement planning, and small business invoicing and time tracking, with no account required.
  4. 04finance-hub0★21 days—hobbyLocal personal finance ledger that aggregates bank accounts, investments, and transactions in one self-hosted database without cloud connectivity.
  5. 05Polaris Budget0★4 daysliveLocal-first budgeting app with envelope and tracking methods, shared partner budgets, and private iCloud sync across Apple devices.
  6. 06ledgerly0★21 days—Local-first budgeting app that tracks spending, sets budgets, and visualizes progress toward financial goals without requiring bank logins.
  7. 07subs-manager0★21 daysliveLocal-first app that tracks subscriptions, tools, and one-time purchases across desktop and self-hosted web.
  8. 08secret-money-manager0★1 day—hobbyLocal-first budgeting app that analyzes bank statements privately on-device, with optional cloud sync and no accounts or tracking.
  9. 09-App-production-ready-test-e-et-optimis-e0★27 days—Local-first personal budget tracker that records income and expenses, shows monthly dashboard with category breakdown, and keeps data on-device without an account.
  10. 10wealthfolio-bin0★1 moliveopen sourceInvestment tracking app that stores data locally, provides portfolio analytics, and operates without subscriptions or cloud.
  11. 11FlowFunds Finance Planner0★1 moliveLocal-first personal finance planner for organizing budgets, cash flow, debt, savings, investments, and long-term goals without linking bank accounts.
  12. 12midas-money-management0★1 mo—hobbyLocal-first budgeting app that keeps accounts, transactions, and budgets on-device with no sign-in or cloud sync.
  13. 13pace0★1 mo—hobbyLocal-only Windows desktop app for tracking personal finances and investments, with budgets, debt, goals, and Monte Carlo retirement projections.
  14. 14MoneyGro: Track & Budget Money0★1 moliveSimple finance tracker that lets users record accounts, balances, budgets, goals, and payment due dates without login or bank linking.
  15. 15spendly-the-expense-tracker0★2 mo—hobbyMobile app for tracking spending, monitoring budgets, and managing personal finances with local-first storage.
  16. 16bean-asyncat-bin0★7 mostaleliveopen sourceLocal-first personal finance tracker that helps users monitor spending and manage budgets without cloud sync.
  17. 17Buckets0★1 yrabandonedliveopen sourceDesktop budgeting application that tracks family finances and spending locally without syncing data to any external server.

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.