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Budgetr

Local-only Mac app for net worth, spending, investments and options tracking

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Research-based review, not hands-on testing. Last researched .

Overview

Budgetr is a macOS (Apple Silicon) desktop app that tracks net worth, transactions, monthly category budgets, investments, options and tax lots. It connects to banks through the user's own Plaid keys and stores everything in a local SQLite database, with no vendor server. It leans toward investment and net-worth tracking more than classic budgeting.

Best for: Mac users with brokerage and options accounts who want a private, local net-worth and spending dashboard and can set up their own Plaid keys

Pros and cons

Pros

  • One-time $29 price with free updates and a 14-day trial
  • Data stays in a local SQLite database; no vendor server or account
  • Combines net worth, spending, budgets with per-category limits and rollover, and investment tracking
  • Tax lot reports (FIFO/LIFO/Spec-ID) with CSV export
  • Source code published on GitHub under the MIT license

Cons

  • Bank sync requires the user to create Plaid and Finnhub accounts and paste their own keys
  • macOS on Apple Silicon only; site lists no Windows, Android or working iOS app
  • Read-only tracker: not a zero-based or envelope planner
  • Solo developer; no independent reviews or store ratings found
  • Repo README describes a separate Apple app with CloudKit sync that the site does not offer

Features

  • Envelope budgeting not confirmed not confirmed
  • Automatic bank sync included
  • Manual transaction entry not confirmed not confirmed
  • Goal tracking not confirmed not confirmed
  • Debt payoff tools not confirmed not confirmed
  • Investment tracking included
  • Bill reminders not confirmed not confirmed
  • Reports & charts included
  • Multi-currency not confirmed not confirmed
  • Shared / household budgets not confirmed not confirmed
  • Separate logins for shared budgets not confirmed not confirmed

Net worth history, auto-categorized transactions, monthly budgets, anomaly alerts, holdings and cost basis, options chains, tax lots, live demo

Our review

Short version

Budgetr is a macOS (Apple Silicon) desktop app that tracks net worth, transactions, monthly category budgets, investments, options and tax lots. It connects to banks through the user's own Plaid keys and stores everything in a local SQLite database, with no vendor server. It leans toward investment and net-worth tracking more than classic budgeting.

Quick profile, not a full review. Built on 2026-09-29 from the vendor site, store listings and public sources. No hands-on testing: I did not sign up, start a trial or connect a bank.

Cost

  • No subscription; one-time purchase
  • One-time $29 lifetime license with free updates, 14-day refund
  • One-time: $29
  • Trial: 14-day free trial, no card or account

Not confirmed

Founding year; Formal GitHub release dates (commit date used as proxy); Data import and export beyond tax-lot CSV; Manual entry, goals, multi-currency, shared budgets, debt payoff, bill reminders; iOS app availability; Independent reviews.

Notes

Latest repo commit mentions swapping the checkout provider while the pricing page links Polar.

Ratings are set separately against a shared rubric.

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