🍎 Perfinova is now live on the Mac App Store — free to download! Download Free →
AI Powered, Privacy Centric Personal Finance App For Mac

Your finances.
Your Mac.
Your rules.

Understand where your money goes, how your wealth is growing, and whether you are on track for the future.

Perfinova helps you track spending, budgets, net worth, savings goals, retirement, and college planning using your own financial data. No bank login. No cloud sync. No subscription.

Download Free → Getting Started Guide
📊 Net worth 💰 Budgets 🎯 Goals 🧠 Ask AI 🔒 100% local
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A choice

The path of pleasant.
The path of good.

There are two ways to manage your finances with software. We think you should understand both before choosing.

The Path of Pleasant
Link your accounts.
It’s automatic.
✓ Your accounts sync automatically
✓ Transactions appear in seconds
✓ No CSV files. No manual work.
✓ Beautiful dashboards, instantly
✕ $14.99 a month, every month, forever
✕ Your bank login lives on Plaid’s servers
✕ Every transaction in someone else’s database
✕ When they shut down, you start over
✕ Mint served 16M users. It shut down.
“Pleasant is comfortable right up until it isn’t.”
The Path of Good
10 minutes a month.
Yours forever.
→ Log into your bank (you’re already doing this)
→ Download a CSV — 3 clicks, any bank
→ Drag it into Perfinova — 10 seconds
→ Note your current balances — 2 minutes
→ That’s it. Every month.
✓ Free. Forever. No subscription.
✓ No bank credentials shared with anyone
✓ Your data on your Mac, encrypted, always
✓ Works even if we shut down tomorrow
✓ Your history grows for years, uninterrupted
“10 minutes a month is not a trade-off. It’s the practice.”
On the practice of paying attention

Finance is not meant
to be invisible.

“You could have an AI write your journal. It would be beautifully written, emotionally coherent, and completely beside the point.”

What makes a journal valuable isn’t the words. It’s the act of sitting down and deciding what mattered today. The noticing. The friction of translation — from feeling into language — is where the meaning lives.

Personal finance works exactly the same way.

When you download your CSV and import it into Perfinova, you scroll through your transactions. You see the three restaurants in one week. The subscription you forgot about. The Amazon charge that didn’t feel expensive at the time but somehow happened twice. That 10-minute monthly ritual is not overhead. It’s awareness.

Automated finance apps work hard to make your money invisible — smooth, effortless, frictionless. That’s the pitch. But invisible money is money you’re not thinking about. And money you’re not thinking about has a way of quietly going where it wants.

“The 10 minutes you spend each month importing your transactions aren’t overhead. They’re the whole point.”

The best journalers don’t journal because they have extra time. They journal because they’ve decided that the practice of noticing is worth the practice of sitting down. The same logic applies here.

Perfinova asks for 10 minutes a month. In return, you get a complete picture of your financial life, a growing history of your net worth, AI–powered answers to any question about your money, and the quiet satisfaction of actually knowing where it goes.

That’s not a trade-off. That’s the point.

The monthly practice

What those 10 minutes
actually look like.

Here’s exactly what we’re asking. We think you’ll agree it isn’t much — and that the return is everything.

01
Log into your bank website
You’re already doing this to check your balance. While you’re there, go to the download or statements section and export a CSV. Every major bank — Chase, Bank of America, Citibank, Capital One, Wells Fargo — supports this with 2–3 clicks. It’s the same file you’d send your accountant.
~2 minutes
02
Drag the CSV into Perfinova
Open Perfinova, go to Imports, and drag your CSV file onto the account card. Perfinova auto-detects your bank’s column format, skips any transactions it’s already seen, and maps everything automatically. One confirm click and you’re done.
~30 seconds
03
Scroll through your transactions
This is the most important step — and the one automation removes entirely. Spend two minutes looking at what came in. You’ll notice things. A forgotten subscription. An unusually large week at restaurants. A charge you don’t recognise. That noticing is the whole point.
~2 minutes
04
Update your account balances
Go to Accounts in Perfinova and type in the current balance from each institution — checking, savings, brokerage, 401(k), credit card. Takes about two minutes. These balances feed the net worth chart, which is the most powerful thing in the app: a growing historical record of your wealth.
~2 minutes
05
Ask AI anything (optional, but powerful)
Once your data is current, open Ask AI. “Am I spending more than last month?” “What are my biggest recurring charges?” “Am I on track for retirement?” “What’s my net worth trend?” Answered instantly, from your own data, entirely on your Mac.
Optional · no time limit
~10 min
That’s the entire monthly practice. 10 minutes once a month for a complete, current picture of your financial life — net worth, spending trends, recurring charges, budget health. No subscription charged in the background. No bank login sitting on a third-party server. No data anywhere except your Mac.
Features

Everything you need.
Nothing you don’t.

A complete picture of your financial life — accounts, transactions, budgets, investments, goals, and AI–powered insights — all on your Mac.

📊

Net Worth Dashboard

Track retirement, brokerage, HSA, education, cash, and liabilities in one unified view. Daily net worth snapshots build your complete financial history automatically.

7 Account Groups
📂

CSV Import from Any Bank

Import from Chase, Bank of America, Citibank, Robinhood, Apple Card, Schwab, Fidelity, or any bank that exports CSV. No API keys, no credentials, no risk.

Any Bank Worldwide
🧠

Ask AI

Ask any financial question in plain English. “Am I on track for retirement?” “Where am I overspending?” “What are my recurring charges?” Answered from your real, local data.

On-Device AI
📈

Net Worth Snapshots

Automatic daily snapshots build a true historical record of your wealth. View Daily, Monthly, or Yearly trends with a beautiful chart and full account group breakdown.

Daily Tracking
🎯

Budgets & Goals

Set monthly budgets by category with one-click AI suggestions. Track savings goals with live progress bars that update as you import new transactions.

AI-Assisted Planning
☝️

Touch ID Protection

Your finances are locked on every launch with native Touch ID authentication. Falls back to Mac password. No password managers. No accounts. No onboarding.

Native macOS Security
Compare

Why Perfinova?

Most finance apps trade your privacy for convenience. Perfinova gives you both — with a 10-minute monthly practice instead of a monthly fee.

Feature
Mint / Monarch / YNAB
Cloud-connected apps
Perfinova
Local · Private · Mac
⚠️ Data uploaded to their servers
✗ Every transaction, balance & habit
✓ Zero. Nothing uploaded. Ever.
Financial data stored locally
✗ Cloud servers
✓ Your Mac only
Bank credentials required
✗ Required via Plaid
✓ Never asked
Monthly subscription fee
✗ $8–15 / month
✓ Free on Mac App Store
Works if the company shuts down
✗ No (see: Mint, 2024)
✓ Forever — it’s on your Mac
Data sold or used for ads
✗ Yes (Mint’s model)
✓ Never
AI-powered Q&A on your data
~ Limited
✓ Built-in Ask AI
Daily net worth snapshots
~ Basic history
✓ Automatic daily
Touch ID on every launch
~ App-level only
✓ Native Touch ID
Roadmap

What’s built. What’s coming.

Perfinova is actively developed. Here’s what’s already in your hands and what we’re building next.

✅
Shipped
Net Worth Dashboard
7 account groups — Retirement, Brokerage, HSA, Education, Cash, Other Assets, Liabilities — with color-coded breakdowns and summary cards.
✅
Shipped
Daily Net Worth Snapshots
Automatic daily snapshots with Daily / Monthly / Yearly toggle and hover tooltips showing full account group breakdown.
✅
Shipped
Ask AI
Natural language answers to any financial question — grounded entirely in your local data. No data ever leaves your Mac.
✅
Shipped
Touch ID Authentication
Native Touch ID on every launch, falling back gracefully to Mac login password. Your financial data is always locked.
✅
Shipped
Upcoming Payments Card
Automatically detects recurring charges — Netflix, Spotify, subscriptions — and shows what’s due in the next 30 days.
✅
Shipped
AI Budget & Goal Creation
One-click AI analysis of your last 3 months creates personalized budgets and savings goals — no manual setup required.
🔨
Coming Soon
AI-Powered Smart Import
Upload any messy bank CSV and AI automatically cleans merchant names, detects categories, and maps columns. Zero manual cleanup.
🔭
Planned
iPhone Companion App
Read-only dashboard synced via iCloud Drive. View your net worth and balances on iPhone — no cloud database, no subscription.
🎉 Mac App Store launch coming soon

Your finances.
Finally private.

Perfinova is live on the Mac App Store. Download it free and start building your private financial history on your Mac.

Download Free → Getting Started Guide
macOS Monterey or later · Apple Silicon & Intel · Mac App Store · Free