Finoinc: local-first personal finance for macOS

I wanted to see where my money went each month without uploading my bank data anywhere or maintaining a spreadsheet. So I built Finoinc.

Export the .ofx statement your bank already offers and drop it in. Finoinc skips what you already imported, pairs charges with their refunds, applies your rules and lays the month out on a dashboard.

• Rules categorize every import, and the app points out recurring charges that still have no rule
• Card bills and transfers between your own accounts don't count twice
• Bills on a calendar: paid, pending, overdue
• Investments tracked apart from spending
• Optional local MCP server, so an AI agent can answer questions about your money

Everything lives in one SQLite file on your Mac. No account, no telemetry, no network calls by default.

Free and open source (MIT), built with Tauri, Svelte and Rust. macOS 12+, Apple Silicon and Intel.

• Site: https://mateusfonsek.github.io/finoinc/
• Code: https://github.com/mateusfonsek/finoinc

Feedback welcome.