Understand your spending.Without giving it away.
Fiscal reads the QFX and CSV files your bank already gives you and turns them into one clear picture of your money — on your own computer. No account, no bank login, and nothing ever uploaded.
Offline & private
Your financial data never leaves your computer.
Most budgeting apps ask you to connect your bank and upload everything to their cloud. Fiscal does the opposite: you bring the files, and the analysis happens where they already are.
Runs 100% offline
Every number is computed on your own machine. No internet connection is needed to use the app at all.
No cloud, no account
Nothing is uploaded and there is nothing to sign up for. No server ever sees a transaction.
No bank logins, no Plaid
You import the statement files yourself. Fiscal never asks for a bank password or connects to your bank.
Encrypted on disk
Transactions live in an encrypted local vault behind your master password. Zero telemetry, zero tracking.
Multi-bank spending analysis
See spending and income across every account.
Download the statement files your bank already offers and import them. Fiscal brings multiple banks together into one clear picture — no logins, no linking, no waiting.
Every bank in one place
Import QFX/CSV statements from Chase, Bank of America, Capital One and more — all your accounts on one dashboard.
Spend, income & net
Switch between spending, income, and net views to see exactly where your money goes and where it comes from.
Category breakdowns
Automatic categorization with custom rules shows what you spend on, by category, across every account.
Monthly trends
See how spending and income move month over month, so patterns and changes are easy to spot.
Accounts, assets & liabilities
Keep cards, checking and savings organized, track what you own and what you owe, and separate different sets of finances into vaults.
Your rules, your data
Recategorize anything by hand; the app remembers your rules. It's your analysis, computed on your machine.
Recurring charges
Find every subscription you’re paying for.
Fiscal detects recurring charges across your accounts — the streaming services, memberships and auto-renewals that quietly add up. See what you pay every month, in one list, so you can cancel what you don’t use.
Pay once, not every year
A one-time $49.99 vs. yearly subscriptions.
The popular budgeting apps charge every year and require connecting your bank to their cloud. Fiscal is a single purchase that runs offline and keeps your data on your device.
| Fiscal | Monarch Money | YNAB | Copilot | |
|---|---|---|---|---|
| Price | $49.99 | $99.99 | $109 | $95 |
| Billing | One-time | Every year | Every year | Every year |
| Works offline | Yes | No | No | No |
| Requires bank login | No — you import files | Yes | Yes | Yes |
| Platforms | Mac, Windows & Linux | Web / iOS / Android | Web / iOS / Android | Apple only |
Competitor prices are approximate and may change — verify current pricing before relying on it.
Get Fiscal
Buy once. Own it. Stay private.
- The full Fiscal app for Mac, Windows & Linux
- Unlimited banks, accounts & file imports
- Full transaction history & category analysis
- Automatic subscription detection
- Multiple vaults to separate your finances
- One-time purchase — no subscription, ever
Secure checkout via Paddle. Licence key emailed instantly.
Questions
Frequently asked questions
Is it really offline?
Yes. Fiscal runs entirely on your computer and never uploads your financial data. You import statement files you already have, and everything is analyzed and stored locally in an encrypted vault. (Activating a Pro license checks your purchase online once — sending only your license key, never any financial data — after which the app works fully offline.)
Which banks are supported?
Any bank or card that lets you export a QFX/OFX or CSV statement — which is most of them, including Chase, Bank of America, and Capital One. You download the file from your bank and import it; there are no bank logins or third-party connections.
Is there a subscription?
No. Fiscal is a one-time purchase of $49.99. There are no recurring fees and no accounts to sign up for.
Do you offer refunds?
No — all sales are final. Fiscal is a one-time purchase that runs entirely on your own machine and keeps working offline and indefinitely once activated. There's no account to close and nothing for us to switch off, so once you have the app there's no way for us to take it back. (This doesn't affect your statutory consumer rights — Paddle is our Merchant of Record and handles those, and any billing dispute, under its buyer terms.)
Which operating systems does it run on?
Fiscal is a desktop app for Mac, Windows & Linux.
Do you see or store my data?
Never. Your transactions stay on your machine, encrypted on disk — there's no cloud, no account, and no data collection, and the app itself contains no analytics or telemetry. We couldn't see your financial data even if we wanted to. (This website uses Google Analytics for basic visitor stats; it has no access to anything inside the app — see our Privacy Policy.)
Affiliate program
Earn 30% promoting Fiscal.
Get paid to share it. A flat 30% commission on every licence you refer, with a 45-day cookie, a live dashboard, and PayPal or Wise payouts.