A powerful, private desktop app for planning your financial life. Track personal and business budgets, import bank transactions, and see exactly where your money goes.
Completely free right now. No account required. No data leaves your machine.
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"I wanted to build this app for over a decade. A budgeting tool that's powerful enough to actually plan your financial life but simple enough to stick with, and one that keeps your data completely private. Every spreadsheet I made, every app I tried, something was always missing. So I finally built it myself. Now I'm sharing it with the world."
Dad Saves Money is part of Dad Saves America and a product of the Emergent Order Foundation — an independent non-profit dedicated to telling heroic stories that celebrate American freedom and the potential it unlocks in each of us.
No subscriptions. No cloud sync. No mysterious third party staring at your bank statements. Just a seriously capable budgeting app that runs right on your desktop.
See your total income, expenses, savings, and investments at a glance. Monthly cash flow charts and spending breakdowns make the big picture crystal clear.
A full 12-month spreadsheet-style cash flow view with Estimate, Actual, and Variance modes. Track every dollar across income and expense categories, month by month.
Build a complete annual budget in minutes. The step-by-step wizard walks you through income, housing, daily living, lifestyle, and investments. No spreadsheet degree required.
Import bank transactions from CSV files, then categorize, rename, and filter them with powerful batch tools. Auto-categorization rules do the boring stuff for you.
Track recurring bills and income with automatic detection from your transactions. See what's due this week and never miss a payment again.
Run a side hustle? Freelance? Keep business finances completely separate with dedicated budgets, categories, and balance sheets for each business you manage.
Track assets, liabilities, and net worth across all your accounts. See checking, savings, investments, retirement, crypto, and property in one place.
Protect your financial data with a PIN. Because maybe you don't want your kids to know how much you spend on coffee.
Set it and forget it. Automatic backups on a schedule you choose, with configurable history retention. Restore anytime, export anywhere.
The dashboard gives you the full story in seconds: total income and expenses, cash savings rate, investment contributions, and a month-by-month cash flow chart with spending breakdown by category.
The cash flow view is a full 12-month breakdown of every income and expense category. Switch between Estimate, Actual, and Variance modes to compare your plan against reality and spot trouble before it snowballs.
Track checking, savings, credit cards, investments, retirement, crypto, and property accounts. Import transactions via CSV from your bank, then use batch tools to categorize, rename, and review everything in one place.
Create separate businesses with their own budgets, categories, cash flow, and balance sheets. Perfect for freelancers, side hustlers, and anyone who needs to keep personal and business money in separate lanes.
No account creation. No email verification. No "connecting your bank." Download, open, and start planning.
Install the app. No account, no sign-up, no cloud. It runs on your computer and that's it.
The Budget Wizard walks you through income, housing, food, lifestyle, and investments step by step.
Download a CSV from your bank and import it. Auto-rules help categorize everything fast.
Compare estimates to actuals, spot overspending, and adjust your plan as life happens.
Dad Saves Money is 100% local. No cloud. No servers. No telemetry. Your financial data is stored on your computer and nowhere else. Period.
There are no bank connections and the app will never ask for your login credentials. You download transaction files directly from your bank and import them yourself. It's a little more work, but it means no third party ever touches your banking credentials or sees your data. That tradeoff is worth it.
I'm still figuring out the right pricing model. In the meantime, the app is completely free with every feature unlocked. 60-day trial, no paywalls, no catch.
Includes a 60-day trial. If it runs out before pricing is sorted, just email me and I'll take care of you. When I do introduce pricing, it'll be a one-time purchase. No subscriptions. Ever.
Nope. You download CSV files from your bank's website and import them into the app. It's one extra step, but it means your login credentials never touch a third party.
Yes! Dad Saves Money is available for both macOS and Windows. Download the installer for your platform and you're up and running in minutes.
The app is free right now while I figure out the right pricing model. There's a 60-day trial built in — if it runs out before I've sorted out pricing, just reach out to me and I'll get you taken care of. Your data will never be deleted or held hostage.
Absolutely. Create separate budgets for different years or scenarios. You can also create separate businesses, each with their own budgets, categories, and balance sheets.
Checking, savings, credit cards, petty cash, brokerage, crypto, treasury bonds, 401(k), Roth IRA, Traditional IRA, HSA, property, vehicles, and more.
Your data lives on your computer and nowhere else. The app includes automatic backups with configurable frequency and history retention, plus manual backup and restore at any time.
Download the free trial and build your first budget in five minutes. No account. No credit card. No data leaves your machine.
macOS 14+ or Windows 10+. 60-day free trial. No account required.
Dad Saves Money is a budgeting tool, not a financial advisor. It does not provide financial, investment, tax, or legal advice. Terms · Privacy