Features

Everything in Allocate

A complete, private picture of your money — from a single bank statement to budgets, goals, and net worth. All on your Mac.

Dashboard

Pay-Yourself-First card — the share of income you saved and invested
Spending Overview donut by category, with drill-down
Budget Progress bars (or radial wheels) for fixed, variable, savings, investments
Income vs. Spending and Spending Trend charts
Recent transactions, plus a year on-track banner
Switch between Month, Quarter, and Year — and scope to any account

Net Worth

Every account summed into one figure
History trend chart over time
Trend by account — one line per account, with a hover tooltip and toggleable legend
Cash vs. invested chart splitting cash, investments, and total
Per-account distribution breakdown
Credit cards counted automatically as liabilities
Investment holdings feed in at real market value

Portfolio

Import a brokerage statement to build a per-holding view
Market value, cost basis, and return in kroner and percent
Performance chart of your holdings over time
Transactions table you can filter by fund
Prices refresh automatically
Holdings feed into net worth, so cash and investments live together

Budgeting

A full-year budget matrix — categories by month
Targets suggested from your own past spending
Recalculate budgets from actuals over any period
Year trend chart with a Total or by-category view
Year KPIs: income, fixed, variable, saved, invested, surplus
Annual plans with a new-year rollover prompt
Click any cell to see the transactions behind it

Goals

A card per goal: now, target, and what’s left
Monthly amount needed to get there on time
Apply a goal straight into your budget
Flags when your plan under-funds a goal

Import & AI

Import PDF, CSV, and Excel statements — several at once
AI categorizes every transaction by purpose
Runs on your Mac, or via your own ChatGPT account
Add your own free-form AI instructions the AI follows
Re-categorise with the AI from Settings, the toolbar, or a multi-selection
Balance reconciliation checks the numbers add up and fixes stray signs
Review screen with confidence flags and inline fixes
Silent duplicate detection when you re-import
Imports keep running in the background

Transactions

One grouped, searchable list across all accounts
Money-out and money-in in two columns, like a bank statement
Search by amount too, and stack several searches as chips
Filter by category, date, amount, account, and more
Bulk re-categorize or assign one category to many rows at once
Flip a transaction between money out and money in by hand
Full detail sheet with foreign-currency amounts
Keyboard shortcuts for everything

Categories & Rules

Custom categories with colors and SF Symbol icons
Six sensible groups seeded out of the box
Keyword rules — match text to a category instantly
Natural-language rules the AI interprets for you
AI and keyword rules split into their own collapsible sections
Re-run a rule on transactions you haven’t decided yet

Multiple accounts

Checking, savings, investment, and credit-card accounts
Auto-suggests the right account when you import
Transfers between your accounts pair up automatically
A move to savings never double-counts as spending
Choose whether card spending lands in the bill or transaction month

Onboarding

Guided first run: currency, first import, budget setup
Build budgets from your data or from presets
Resumable, and synced across your Macs

Appearance

Rosé Pine Dawn plus Rosé Pine, Nord, Catppuccin, Tokyo Night, Gruvbox
Accent colors and light/dark modes
Adjustable font size
Optional inline info buttons that explain every metric

Privacy & sync

No account, no login, no custom backend
Data stored on-device with SwiftData
Synced through your own iCloud across Macs
Raw statement files are never stored — only the transactions

Export

Export the transaction list (filters respected) to CSV
Export all your data from Settings
Export the full AI prompt — rules and instructions — as Markdown
Excel-friendly, UTF-8 output