iPhone app that logs expenses by voice or text and forecasts upcoming recurring spending.
- Expense tracking
- Forecasting
- Financial management
SavePoint
Offline desktop finance software with budgeting, net worth tracking and FIRE planning
Research-based review, not hands-on testing. Last researched .
Overview
SavePoint is a Windows and macOS desktop program that keeps all data on the user's computer and is sold as a one-time license. It combines annual category budgets with budget-vs-actual tracking, balance sheet and net worth views, reports, and retirement/FIRE simulations. It has no bank connections; transactions come from manual entry or CSV/Excel import.
Best for: Privacy-focused people who want a single-purchase desktop program for budgeting, net worth and retirement planning and don't need a phone app
Pros and cons
Pros
- Data stays in a local database on the user's machine; the vendor says nothing is uploaded
- One-time license with no subscription; covers two devices and a hardware-replacement allowance
- Broad reporting: 10+ report types, balance sheet, cash-flow view and Sankey diagrams
- Retirement/FIRE planning with Monte Carlo simulation is built in
- Supports 150+ currencies (manual conversion) and 8 interface languages
Cons
- Desktop only (Windows and macOS); no mobile app, and Linux is listed as 'coming soon'
- No bank sync; transactions must be typed or imported from CSV/Excel
- Budgeting is annual category limits with variance reporting; envelope-style workflow was not confirmed on the vendor pages
- Upfront cost of $64.99-$99.99; updates are only guaranteed for the current major version
- Online sync/backup exists only as a future 'online-capable' version, so no multi-device sync today
Features
- Envelope budgeting not confirmed not confirmed
- Automatic bank sync not included
- Manual transaction entry included
- Goal tracking included
- Debt payoff tools not confirmed not confirmed
- Investment tracking included
- Bill reminders not confirmed not confirmed
- Reports & charts included
- Multi-currency included
- Shared / household budgets not confirmed not confirmed
- Separate logins for shared budgets not confirmed not confirmed
Annual budgets, budget vs actual, balance sheet, net worth, cash-flow center, Sankey and 10+ reports, FIRE Monte Carlo, goals/milestones, multi-currency, 8 languages
Our review
Short version
SavePoint is a Windows and macOS desktop program that keeps all data on the user's computer and is sold as a one-time license. It combines annual category budgets with budget-vs-actual tracking, balance sheet and net worth views, reports, and retirement/FIRE simulations. It has no bank connections; transactions come from manual entry or CSV/Excel import.
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 license)
- $99.99 one-time list price; $64.99 limited-time sale price on the purchase page
- One-time: $99.99
Not confirmed
Founded year; Last release date / changelog; Bill reminders; Debt payoff tools; Shared/household budgets; Independent reviews; Trial: only an interactive demo link seen, no time-limited trial terms.
Notes
Purchase page shows $99.99 struck through with $64.99 'limited time sale'; homepage compares 10-year cost against unnamed alternatives (vendor claim). Vendor also offers an interactive demo. /faq and /reviews pages return 404.
Ratings are set separately against a shared rubric.
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