Two ways to manage your money.
Only one respects you.

Most finance apps ask for your bank credentials and charge you monthly. Perfinova asks for neither. Here's why that matters.

A choice

The convenient path. The honest one.

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

The convenient path

✓Easy setup, no manual work

✓Transactions appear automatically

✓Works without thinking about it

✕Requires your bank login credentials

✕Your history lives on someone else's servers

✕$10–$15/month, indefinitely

✕Can shut down, change pricing, or get acquired

✕You lose your data if you stop paying

"Convenient until it isn't. And by then, your entire financial history belongs to someone else."

The honest path

·Download a CSV from your bank — 60 seconds

·Import into Perfinova — columns map automatically

·Your data lives in a file on your Mac, nowhere else

✓No bank credentials ever shared

✓No monthly subscription

✓Core features work offline

✓Your data is yours even if Perfinova disappears

✓Takes 5 extra minutes a month

"A small habit that keeps your finances entirely in your own hands — forever."

Compare

Feature

Perfinova

Free · Local · Mac

Mint / YNAB / Copilot

Subscription · Cloud

No credit card. No account. No bank login. Just download and start.