Open Banking
Connect your bank accounts. Real balances, real transactions, auto-categorised. No manual entry.
Appearance
Your Money.Your Machine.
Local-first personal finance. Bank-connected, AI-powered, 20+ themes. Yours.
Local-first personal finance. Bank-connected, AI-powered, 20+ themes. Yours.
Everything you need to understand your money — at a glance. Net worth, spending breakdowns, cashflow projections, tax deadlines, AI chat. Drag them around, resize them, make it yours.
Most finance apps are built for businesses and dumbed down for individuals. FFFFinance is the opposite — built from the ground up for personal finance, with the power of a professional tool.
Every default, every calculation, every assumption is tuned for real personal finance — not a watered-down business tool.
Your currency, your format — all numbers are right-aligned, monospaced, formatted exactly how you expect. No locale guessing, no surprises.
Tax that actually works — GST, provisional tax dates, filing deadlines — all baked into the calendar and tax panel. You don't configure it, it just knows.
Your banks, connected — direct connections to your accounts through open banking. Real balances, real transaction feeds, merchant enrichment. Not screen-scraping.
Retirement tracking — monitor your retirement savings alongside everyday accounts. See contributions, tax, and fund performance in one view.
Your bank data flows in, gets categorised automatically, and lands in a local database that never leaves your machine. No servers, no subscriptions, no middlemen.
Transactions are categorised as they arrive — the system learns from your corrections and gets smarter over time. Ask it questions in plain language and get instant answers about your spending, budgets, and trends.
Professional engineering for personal finance. Every layer is chosen for speed, privacy, and reliability.
Your financial data is the most sensitive data you have. FFFFinance treats it that way. There's no account to create, no server to trust, no terms of service to accept. Install it and it works.
Your dashboard is yours to arrange. Every panel is draggable, resizable, and collapsible. Pin the ones you care about, hide the ones you don't. The layout saves automatically.
| Panel | What it shows |
|---|---|
| Accounts | All connected bank accounts + balances |
| Transactions | Live feed with merchant logos + categories |
| Spending | Donut breakdown by category |
| Budget | Progress bars with warning/danger thresholds |
| Net Worth | Historical line chart with trend |
| Cashflow | Income vs expenses bar chart |
| Calendar Heatmap | Daily spending intensity |
| Tax | GST, provisional tax, filing deadlines |
| Runway | How long your cash lasts at current burn |
| Sankey | Money flow from income to expense categories |
| What-If Simulator | "What if I cut dining by 30%?" |
| Chat (Freddy) | Ask questions about your finances |
| Graph | Relationship network between accounts/merchants |
| Scatter 3D | Three-dimensional spending analysis |
| Bump Chart | Category ranking changes over time |
| Funnel | Conversion from income to savings |
| Rose Pie | Polar area chart for category comparison |
| Radar | Multi-axis financial health overview |
| Settings | Theme, connections, AI config, about |
Simple, transparent pricing. Start free, upgrade when you need more.
Free forever
Everything you need to get started.
$108/yr if billed monthly
Bank connections + AI assistant.
$228/yr if billed monthly
Sync everywhere. Never lose data.