Your money.
Made clear.

Local financial intelligence for Indian bank accounts and credit cards. Understand your spending, cash flow, budgets, and rewards — all on your machine.

Get LocalFinance Explore the features

Want to talk to your finances? Optional AI with Codex or Claude Code.

Your AI tool may send retrieved data to its model provider. How access works

Built-in updates. Automatic checks. Opt out in Settings.

No cloud required. No telemetry. No account aggregator.

Illustrative overview · sample data

Your month at a glance

Income: ₹1,84,000
Spending: ₹96,420
Saved: ₹87,580

47.6%of your income saved this month

Optional · Ask your connected AI tool

Where can I cut back on spending?

Explore your financial context with Codex or Claude Code through read-only MCP.

Get LocalFinance.
Keep your money local.

Choose your operating system to download the latest release directly. No Go or Node.js installation required.

Windows

Intel / AMD 64-bit · EXE

Download for Windows

Double-click LocalFinance.exe to launch. No installation or unzipping needed.

macOS

Apple Silicon & Intel · Universal DMG

Download for Mac

Open the DMG, drag LocalFinance to Applications, then launch the app.

Download macOS command-line archive

Linux

Choose your architecture · TAR.GZ

Download Linux x64

For Intel / AMD 64-bit. Extract the archive, then run ./local-finance.

Download Linux ARM64

These links always download the latest published release, hosted on GitHub. Read release notes or download checksums.

Need help opening the app? See the installation guide, including macOS Gatekeeper and Windows SmartScreen instructions.

Financial clarity should not cost you your financial privacy.

Import statements. Understand everything. Keep your ledger local.

Bring your statements

Upload PDF, CSV, Excel, or password-protected bank statements.

Let the parser think

Bank formats, accounts, UPI narrations, and duplicates are handled locally.

See the full picture

Explore cash flow, budgets, cards, merchants, subscriptions, and more.

One private home
for your financial life.

From statement imports to monthly reviews, get a clear picture of your money in one local workspace. Every core feature works without an AI connection.

Statement intelligence

Auto-detect formats, decrypt PDFs in memory, clean Indian payment narrations, and safely deduplicate overlapping imports.

PDF · CSV · XLS

Cash flow & monthly review

Follow money from income to accounts, cards, categories, and savings—with month-on-month shifts and transaction evidence.

Flow · Trends

Budgets & subscriptions

Set monthly limits, see safe daily allowances, catch overspending, and find recurring payments before they renew.

Plan · Track

Credit card intelligence

Pick the rewarding card for a merchant, track fee waivers, understand billing cycles, and protect the interest-free period.

Rewards · Float

Merchants, salary & year review

Understand where you spend, how your pay has grown, and the milestones that shaped your year—without uploading a ledger.

History · Insights

Smart reconciliation

Pair card payments with bank debits, exclude wallet loads, and prevent transfers from inflating your spending totals.

Match · Verify

Talk to your finances

Connect Codex, Claude Code, or a compatible AI tool through opt-in MCP. Ask questions about your spending, cash flow, and cards with read-only access.

Opt-in · MCP

Your finances.
An optional conversation.

Bring your financial context to Codex, Claude Code, or another AI tool that supports local MCP connections. Ask about your transactions, budgets, subscriptions, cash flow, and credit cards in everyday language.

“Where did I spend more this month?”
“Which subscriptions are coming up?”
“Which card should I use for this purchase?”

Set up MCP

Off by default. You control access.

Enable or disable MCP in Settings → AI / MCP. Connect your tool using the provided configuration and an access token. Rotate the token to revoke existing client access.

Read-only financial context.

AI tools can retrieve insights and transaction details. They cannot edit your ledger, import statements, or change your settings. Keep LocalFinance running while you use the connection.

Choose your AI tool with care.

LocalFinance serves data locally and never contacts an AI provider. Your connected AI tool may send retrieved financial data to its model provider. Its privacy settings and policies apply.

Find your bank.
Bring your statements.

Dedicated parsers for Indian accounts and credit cards. See what is supported today and what is planned.

Supported Planned N/A · Not applicable

Scroll across to compare all account and card types.

Bank and statement compatibility
Bank	Savings	Current	Core / premium cards	Swiggy HDFC	Amazon Pay ICICI	Flipkart Axis	RuPay UPI cards	Formats
HDFC Bank	Supported	Supported	SupportedRegalia, Millennia, Infinia	Supported	N/A	N/A	SupportedTata Neu, RuPay	PDF, CSV, Excel (.xls, .xlsx)
ICICI Bank	Supported	Planned	SupportedCoral, Rubyx, Sapphiro	N/A	Supported	N/A	Planned	PDF (Savings, Credit Card)
Union Bank of India	Supported	Planned	Planned	N/A	N/A	N/A	Planned	PDF (Savings)
Axis Bank	Planned	Planned	SupportedACE, Magnus, Atlas, Neo	N/A	N/A	Supported	Planned	PDF (Credit Card)
State Bank of India (SBI)	Planned	Planned	Planned	N/A	N/A	N/A	Planned	Generic CSV
Kotak Mahindra Bank	Planned	Planned	Planned	N/A	N/A	N/A	Planned	Generic CSV

Have a CSV from another bank? The built-in generic CSV parser can import bank statements, including SBI and Kotak. Planned means a dedicated parser is not yet available for that account or card type.

Password-protected PDFs are decrypted in memory. See the full card variant breakdown

The safest cloud is no cloud.

Your financial history stays in an open SQLite database on your computer. LocalFinance ships as one standalone executable with the interface, server, and database engine included.

Offline financial analysis
Zero telemetry or remote logging
Optional local app lock
Windows, macOS, and Linux

YOUR FILESStatementsPDF · CSV · Excel

ONE BINARYLocalFinanceGo + React + SQLite

YOUR MACHINEPrivate insightsAvailable on localhost

Built-in updates.
You stay in control.

LocalFinance checks public GitHub Releases in the background, with results cached for four hours. When a release is available, review the release notes in the app. Supported standalone installations offer Update & Restart; macOS app installations offer Download Release.

Prefer to opt out? Turn off Automatic Update Checks in Settings. You can still choose Check for Updates whenever you want.

Your financial data stays local.

Release checks and update downloads contact GitHub. Your statements, transactions, and database stay on your machine.

macOS app installations offer a complete DMG download to preserve the app signature. Quit LocalFinance before replacing the app in Applications; your local database is preserved. Standalone executables support Update & Restart when their installation is writable.

View releases

Know your money.
Keep it yours.

Your financial intelligence stays on your machine. Add an AI conversation when you choose. Open source, private by default.

Download LocalFinance

Your money.Made clear.

Get LocalFinance.Keep your money local.