A beautifully simple budgeting app that keeps your financial data exactly where it belongs—on your computer. No cloud account. No subscription required. No compromises.
Download NowAvailable for Windows, Mac, and Linux.
Simple, powerful tools to understand your spending without the complexity of traditional budgeting apps.
Drop your bank statement and watch the magic. Auto-detects formats from major banks and maps transactions automatically.
Create custom rules with pattern matching. Plutonomy learns from your choices and categorizes transactions automatically.
Checking, savings, credit cards—manage them all in one place. See your complete financial picture at a glance.
Beautiful charts show your spending trends, category breakdowns, and monthly comparisons. Data that actually makes sense.
Find any transaction instantly. Filter by date, category, account, or amount. Your data, your way.
Extend Plutonomy with plugins. Add custom importers, reports, and integrations tailored to your workflow.
In an age of data breaches and privacy scandals, Plutonomy takes a different approach. Your financial data stays on your computer. No accounts to create, no servers to trust, no subscription you have to keep. Optional extras like bank sync only connect when you switch them on.
No account or subscription required.
| Plutonomy | YNAB | Monarch | |
|---|---|---|---|
| Free trial | Yes | 34 days | 7 days |
| Subscription | Not required | Required | Required |
| Your data | Local by default | Cloud | Cloud |
| Platform | Desktop app | Web + mobile | Web + mobile |
| Complexity | Simple | Envelope method | Moderate |
| Plugins | Yes | No | No |
Download and use the full app for free. Core features stay free forever. Supporters get unlimited plugin access and no reminders.
Any bank that lets you export transactions as CSV. Plutonomy auto-detects formats from major banks and can be configured for others. No direct bank connections means no security risk.
Plutonomy stores data locally for privacy. You can manually backup and restore your database, or place it in a synced folder like iCloud Drive or Dropbox.
Plutonomy runs natively on macOS, Windows, and Linux. It's a real desktop app, not a web wrapper—fast, responsive, and always available offline.
Check our documentation or email support. We're a small team that actually reads and responds to every message.
Your one-time purchase funds ongoing development and unlocks unlimited plugins; supporting with $40 or more also includes a year of Plutonomy Sync. The app itself never needs a subscription.
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Available for Windows, Mac, and Linux. No spam, just one email.