Calm
Check in once a month — no real-time pings, no daily guilt. See where you landed, adjust, and get on with your life.
macOS personal finance
Pay yourself
first.
Allocate turns a bank statement into a clear picture of what you earned, what you kept, and whether you’re on track — automatically, and entirely on your Mac.
macOS 14 Sonoma or later · No account · Free
Your money, in one calm view
Accounts, budgets, goals, and net worth — together, and entirely yours.
Import a statement, let the AI sort it, and see exactly where you stand. No sign-up, no subscription, and nothing leaves your Mac.
- On-device storage
- iCloud sync
- No account
- AI runs on your Mac
The headline number
Pay yourself first
Decide what you set aside before anything else — like a salary you owe your future self. Allocate shows the one number that matters: how much of your income you actually kept, saved, and invested.
- Saved vs. invested at a glance
- Month, quarter, or year
- On-track banner against your annual target
New in v1
See your net worth grow
Watch the number that compounds. Net Worth pulls every account together — checking, savings, investments, even credit cards — and charts how your wealth grows over time, splitting cash from what you’ve invested.
- Every account in one figure
- History trend, overall or by account
- Cash vs. invested, split out over time
Goals → budgets
Budgets grounded in reality
Pick how much to save and invest, then let the rest become budgets. Allocate suggests targets from your past spending and lays the whole year out in one matrix — so you can see, month by month, where you’re over or under.
- Suggested from your own history
- A year-at-a-glance matrix
- Recalculate from actuals anytime
Stay on track
Set goals, then crush them
Save for a home deposit, a trip, or a rainy-day fund. Allocate tracks how far you’ve come, what’s left, and how much to set aside each month — and can write that straight into your budget.
- Now vs. goal vs. monthly needed
- Apply a goal to your budget in one step
- Flags when your plan falls short
Track your investments
Your whole portfolio, in one place
Import a brokerage statement and Allocate builds a per-holding view — each fund’s market value, cost basis, and return in kroner and percent, with a performance chart over time. Your holdings roll straight into net worth, so cash and investments finally live together.
- Per-holding value, cost basis, and return
- A performance chart over time
- Prices refresh automatically, and feed net worth
Private by default
Import a statement, let AI sort it
Export a PDF, CSV, or Excel file from your bank and drop it in. The AI categorizes every transaction by purpose — and it runs on your Mac. No bank connection, and your statements aren’t sent to our servers.
- PDF, CSV & Excel — even several at once
- Runs on your Mac, or falls back to your own ChatGPT
- Review, fix, and teach it rules as you go
Why it’s different
Calm, private, and free.
Private
No account, no backend, no bank login. Everything stays on your Mac and your own iCloud — there’s nothing for anyone to sell or leak.
Free
No subscription, no paid bank connectors. You shouldn’t have to pay money just to understand your money.
Make it yours
Themes that feel right at home.
Allocate ships with Rosé Pine Dawn and a set of beloved editor themes — Nord, Catppuccin, Tokyo Night, Rosé Pine, and Gruvbox — with accent colors, light and dark modes, and adjustable type.
Rosé Pine Dawn
Rosé Pine
Nord
Catppuccin
Tokyo Night
Gruvbox
How it works
Set it up once. Then a few minutes a month.
No dashboards to babysit. A little planning up front, then a calm monthly rhythm.
Set up once
Decide what “paying yourself first” looks like for you.
-
Set your goal
Decide how much to pay yourself each month — the amount you’ll save and invest before spending on anything else.
-
Build your budgets
Turn that goal into budgets for the rest. Allocate suggests budgets from your past spending, so the targets are grounded in reality, not wishful thinking.
Then, once a month
The whole routine takes minutes — adjust for the long run and move on.
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Import your statement
Export a PDF, CSV, or Excel file from your bank and drop it into Allocate. No bank connection, no extra fees.
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Let the AI sort it
Every transaction is categorized automatically — on your Mac. Skim it, fix the few it wasn’t sure about, and you’re done in minutes.
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See where you landed
Did you pay yourself first? Are you over or under budget? Is your net worth climbing? Allocate shows you clearly.
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Adjust, then live
Nudge next month’s plan to keep a good average over the long run. Then close the laptop and get on with your life.
Privacy by design
Your finances never leave your control.
Allocate has no custom backend and requires no account. Transactions are stored on your device with SwiftData and synced only through your own iCloud. Even the AI categorization runs on your Mac — or, if you prefer, through your own ChatGPT account. There’s nothing for us to see, sell, or lose.
- No sign-up, no email required to use the app
- Data stored on-device and in your private iCloud
- AI runs locally, or via your own ChatGPT — never our servers
- Export everything to CSV whenever you want
Start paying yourself first.
Allocate is coming to macOS. Be the first to know when it ships.