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Finoinc: Open-Source, Local-First Personal Finance App for macOS

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A developer built Finoinc to track monthly spending without uploading bank data or maintaining a spreadsheet. Users import the OFX statement their bank provides, and the app skips duplicate entries, pairs charges with refunds, and applies custom categorization rules. It also flags recurring charges lacking a rule, avoids double-counting card bills and transfers between own accounts, and tracks bills on a calendar and investments separately. All data stays in a single local SQLite file with no account, telemetry, or default network calls, and the free, MIT-licensed app supports macOS 12+ on Apple Silicon and Intel.

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