Your Data Stays on Your Computer
Your financial records are stored locally by default. You decide if and when they're synchronized.
Own Software Again
Big Picture Money sells perpetual software licenses. You own the version you buy forever.
Built for the Long Term
Your data is stored in an encrypted SQLite database that you can back up, inspect, or export whenever you want.
Features
Big Picture Money helps you manage transactions, categorize spending, build budgets, track net worth, generate reports, and understand the larger financial picture of your household — all from a desktop app that works without a cloud account.
Secure AI Chat
Securely discuss your finances with AI without your data leaving your computer.
Learn more →Smart categorization
Rules, merchant data, and optional AI suggestions keep spending organized.
Learn more →Accounts & registers
Checking, savings, credit cards, loans, and more in one unified view.
Learn more →Security by design
Your data file is encrypted locally. Privacy is the default, not an upgrade.
Learn more →Privacy
Your financial data belongs to you. Privacy is the default.
Your financial data stays on your computer in an encrypted local database. Optional anonymous performance and error reporting helps us improve the software — and you can turn it off entirely. If you use SimpleFIN sync, you bring your own SimpleFIN subscription.
Connected Services (coming soon) — such as Big Picture Money-provided Plaid sync, multi-device database sync, and hosted integrations — require an account, but your personal financial data remains encrypted and under your control wherever possible.
Budgets
Decide where money should go — and see if you are staying on track.
Set monthly targets from six months of real spending history, then track only the categories you care about. Use simple caps for groceries and dining, or envelope budgets for sinking funds like car repair and annual insurance — mix both in the same month.
Spending
Answer "where did my money go?" without building a custom report.
See this month's spending by category, drill into a chart slice, and jump straight to the transactions behind it. Filter by date, account, tag, or payee — then fix uncategorized or miscategorized items without leaving the view.
Goals
Track longer-term outcomes alongside monthly budget habits.
Save toward a house fund, keep a checking cushion with a balance floor, or define custom rules for pay-period logic. Each goal shows a clear evaluation — how far you are, whether you are healthy or below the floor — so the big picture stays visible.
Screenshots
A preview of the Big Picture Money desktop app.
Keep your finances on your computer.
Join the beta and try Big Picture Money — local-first personal finance software you own.