Allocate

macOS personal finance

Pay yourself first.

Allocate turns a messy bank statement into a clear picture of what you earned, what you spent, and how much you actually kept — automatically, and entirely on your Mac.

Get Allocate See how it works

macOS 14 Sonoma or later · No account required · Your data stays private

Allocate — Dashboard
Dashboard screenshot coming soon

The problem

Your budget shouldn't live in a 30-column spreadsheet.

Tracking money by hand means copying rows, fixing categories, and wrestling formulas every month. It's fragile, it's tedious, and it breaks the moment you skip a week.

Allocate keeps the clarity of a well-built spreadsheet and throws away the manual work. Import, and the math is already done.

before.xlsx
The old way — a fragile spreadsheet

Features

Everything you need to budget honestly.

A focused set of tools built around one habit: paying yourself first.

Pay yourself first

Decide what you put aside before anything else — like a salary you owe your future self. Saving and investing come first; the rest is what you have to spend.

Goals set your budgets

Pick how much you want to save and invest, and build budgets around it. Allocate can suggest budgets from your own past spending, so the numbers are realistic.

Once a month, that’s it

No real-time pings, no daily guilt. Sit down once a month, see where you landed, adjust, and get on with your life. Calm by design.

AI does the sorting

Drop in a statement and the AI categorizes every transaction for you, so your monthly check-in takes minutes instead of an evening with a spreadsheet.

Built for the long run

One good or bad month doesn’t define you. Watch your pay-yourself-first rate over time and adjust next month to keep a healthy average.

Free, and on your Mac

You shouldn’t pay money to manage your money. Allocate is free, needs no account, and keeps your data on your device and in your own iCloud.

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.

  1. Set your goal

    Decide how much to pay yourself each month — the amount you’ll save and invest before spending on anything else.

  2. Build your budgets

    Turn that goal into budgets for the rest. Start 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.

  1. Import your statement

    Export a PDF, CSV, or Excel file from your bank and drop it into Allocate. No bank connection, no extra fees.

  2. Let the AI sort it

    Every transaction is categorized automatically. Skim it, fix the few it wasn’t sure about, and you’re done in minutes.

  3. See where you landed

    Did you pay yourself first? Are you over or under budget? Allocate shows you clearly — you decide what it means.

  4. 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. 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
  • Export everything to CSV whenever you want

Read the full privacy policy →

Start paying yourself first.

Allocate is coming to macOS. Be the first to know when it ships.

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