Finoinc: local-first personal finance for macOS

Description and use

Finoinc is a local‑first macOS app that imports .ofx bank statements, auto‑categorizes transactions, flags recurring charges, shows bills on a calendar, tracks investments, and stores everything in a single SQLite file with no telemetry.

Problem

Track monthly spending without uploading bank data or maintaining spreadsheets.

Outcome

Finoinc provides a local-first personal finance solution that imports bank statements, categorizes transactions, identifies recurring charges, tracks bills on a calendar, and separates investments, all stored in a single SQLite file with no telemetry.

Workflow

• Export .ofx statement from bank
• Drop .ofx file into Finoinc
• Finoinc skips already imported data
• Pairs charges with refunds
• Applies user-defined rules
• Displays monthly dashboard with categories, recurring alerts, bill calendar, and investment view

Evidence

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.

Source

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

Source

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

Source