Covely – An offline personal finance app for Mac, Windows and Linux

Covely is a free personal finance app for Mac, Windows and Linux that works entirely offline. Budget, track your net worth and investments, and reconcile accounts. Your data never leaves your computer.

100% Offline & Private

Self-custodial financial data

No cloud lock-in or forced subscriptions

Download for Mac Free Forever. No Credit Card Required. (v1.6.8) Download for Windows instead

Other versions: Mac (Intel) · App Store · Windows (ARM) · Linux (Flatpak) · Linux (.deb)

Powerful by default. Free forever.

Unlike other tools, Covely Free isn't a restricted trial. It's a professional-grade finance OS with everything you need to track your net worth and secure your future.

100% Offline & Private

Your financial data never leaves your computer. Powered by a high-performance local database and protected by biometric security (Face ID / Touch ID).

Smart Automation

Automate your bookkeeping: categorize transactions automatically with AI pattern detection and custom searchable rules.

Attachments & Running Balance

Attach receipts and invoices directly to transactions. View calculated running balances and filter by amount range.

Split & Recurring Transactions

Split a single expense across multiple categories effortlessly. Set up recurring subscriptions and bills to project future cash flows.

Global Omni-Search

Instantly find any transaction or detail. Our high-performance local search scans all accounts and years of history in milliseconds.

Multi-Language Support

Covely is built for a global audience. Fully localized support for English, Chinese (Simplified & Traditional), Japanese, and Spanish.

Generate monthly P&L statements, net worth balance sheets, and tax-deductible expense reports with PDF export.

Track stocks, ETFs, and properties alongside cash. View real-time allocation, asset growth, and multi-currency FX rates.

Plan every dollar with our comprehensive zero-based budget tracker. Set category limits, track real-time spending, and monitor your monthly progress.

Match statement balances with ease, track uncleared transactions, and verify account accuracy with built-in reconciliation.

One perpetual license for $9.90. Endless insights. Remove all limits and unlock the full potential of your financial data.

Go beyond the 1-month dashboard limit. View, search, and analyze years of financial data to spot long-term growth patterns.

Remove the 20-rule cap. Build a massive library of automation rules to handle even the most complex merchant networks automatically.

Project your exact account balance 30, 60, or 90 days into the future based on recurring bills, subscriptions, and paychecks.

Yes. Covely Free has no time limit and includes accounts, imports, budgets, reports, reconciliation and wealth tracking. Covely PRO is an optional one-time $9.90 license that removes the history and rule limits and adds forecasting and advanced insights.

In a database on your own computer. There is no Covely account and no cloud sync, so your transactions are never uploaded to us. Live exchange rates and stock prices are optional and can be switched off in Settings.

Yes. Export a CSV, OFX or QIF file from your bank, or from software such as Microsoft Money or Quicken, and import it into Covely. Covely never asks for your bank login.

macOS (Apple Silicon and Intel, also on the Mac App Store), Windows (x64 and ARM) and Linux (Flatpak and .deb).

English, Spanish, Japanese, and Chinese (Simplified and Traditional).

The CGT discount for individuals, trusts, SMSFs and companies, with a free calculator.

Build your own charts and tables, drill into any number and pin them to your dashboard.

On-device OCR turns a receipt photo into a transaction. Nothing is uploaded.

Your FIRE number and date, worked out from your real net worth and spending.

Why offline desktop finance software is making a comeback, and what to look for in a replacement.

A feature-by-feature look at budgeting with and without the cloud.

Follow stocks, property equity and cash in one private place.