Guides: Budgeting, Net Worth and Private Personal Finance

How to run your own money without handing your bank login to an app, and without paying every month for the privilege. Written by the person who builds FinancialOS.

How to budget without linking your bank accountWhy people decline account linking, what to track, the rhythm that actually survives, and how to use CSV statements instead of granting access. Includes the honest number for how long it takes each month.
Personal finance software without a subscriptionWhat a monthly plan costs over five years, what the subscription is genuinely paying for, what you give up by going one-time, and the question that matters more than price: what happens to your data when you stop paying.
How to track your net worth month by monthWhat counts as an asset, the liabilities people forget, three honest ways to value a house, and why the chart matters more than the number.

The app behind the guides

FinancialOS is a personal finance app that never connects to a bank and keeps your data on your own machine. Monthly tracker, budget and transactions, net worth, and a retirement projection, in one place.

$49 once. No subscription. Mac and Windows, with a free iPhone companion on the same licence, and a 30-day money-back guarantee.

See what is inside