Your money, your business.
Double-entry bookkeeping, zero-based budgeting with envelope mode, bank reconciliation, and financial reports — all encrypted on your device. Track accounts, budgets, goals, and spending without handing your financial data to a cloud service.
Budget privately, spend wisely
PrivStack Finance gives you proper double-entry bookkeeping with zero-based budgeting, envelope mode, and bank reconciliation — all encrypted locally. Import from CSV, OFX, or QIF. Track 9 account types, set budget goals, and see reports on spending, income, net worth, and trends. No cloud service ever sees a single transaction.
Your finances on their servers
Budgeting apps like YNAB ($14.99/mo) store every transaction, account balance, and spending pattern on their servers. Your complete financial picture — income, debts, spending habits — sitting in someone else's cloud.
Double-Entry Bookkeeping
Proper accounting with 9 account types, parent-child hierarchy, multi-currency support, and split transactions. Every dollar is accounted for.
- 9 account types (checking, savings, credit card, cash, investment, loan, mortgage, asset, liability)
- Parent-child account hierarchy
- Multi-currency support
- Split transactions across categories
- Cleared and reconciled status tracking
Zero-Based Budgeting
Assign every dollar a job. Choose between zero-based and envelope budgeting modes with 3 rollover strategies and 7 goal types per category.
- Zero-based and envelope budgeting modes
- 3 rollover strategies (reset, carry forward, carry deficit)
- 7 goal types per budget category
- Monthly and custom budget periods
- Budget vs actual tracking with progress bars
Bank Reconciliation & Import
Import transactions from CSV, OFX, or QIF files. A 3-layer reconciliation algorithm matches imported transactions against existing records.
- CSV, OFX, and QIF import with format auto-detection
- Duplicate detection during import
- Deterministic, probabilistic, and subset-sum matching
- Auto-categorization based on past transactions
Reports & Analytics
Spending by category, income vs expenses, net worth over time, and category trends. Age of Money and credit card utilization metrics.
- Spending by Category report
- Income vs Expenses report
- Net Worth over time
- Category Trends
- Age of Money metric
Ready to get started?
Try PrivStack free for 7 days. Your data stays on your devices.