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SavePoint

Offline desktop finance software with annual or envelope budgeting, net worth tracking and FIRE planning

Visit SavePoint

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. The budget page works two ways: annual category limits with budget-vs-actual tracking, or an optional envelope mode (fund, move money, close month). It also has balance sheet and net worth views, reports and retirement/FIRE simulations. There are no bank connections; transactions come from manual entry or CSV, Excel, QIF, QFX and OFX imports.

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 or automatic bank feeds

Pros and cons

Pros

  • Data stays in a local database on the user's machine; the vendor says nothing is uploaded, and a master password, inactivity auto-lock and local backup settings are documented
  • One-time license with no subscription; covers two devices and one hardware-replacement key every two years
  • Two budget styles on the same categories: annual limits with budget-vs-actual, or optional envelope mode with funding, moving money, month close and reset or roll-over per envelope
  • Envelope mode sets aside a Card Payment Reserve per credit card, and debt-payoff goals can be linked to a card or loan balance
  • Broad reporting: 10+ report types, balance sheet, cash-flow view and Sankey diagrams, with PDF and Excel export
  • Imports CSV, Excel, QIF, QFX and OFX files, with duplicate detection; tags, split transactions and household members with shared-expense splitting
  • Retirement/FIRE planning with Monte Carlo simulation is built in
  • Supports 150+ currencies (manual conversion) and 8 interface languages
  • The help manual is long and detailed, with a dated update (July 5, 2026) and an interactive demo with sample data

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 downloaded statement files
  • No recurring-transaction or bill-reminder feature found in the manual, so regular bills have to be entered by hand
  • No multi-device sync: the database lives on one computer, and the optional online-capable version is only described as future ('upon release')
  • Upfront cost of $69.99 (sale) to $99.99 (list); updates are only guaranteed for the purchased major version, with a discount on the next
  • Very little independent feedback found: the Capterra listing has no reviews; the home-page testimonials are vendor-hosted and do not count
  • Large installer (about 1 GB), and the download and license activation need an account on the vendor site; no refund once the download is redeemed
  • The reconcile tool matches envelope totals to cash balances; a statement-by-statement bank reconciliation workflow was not confirmed

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 category budgets with budget vs actual, optional envelope mode, balance sheet, net worth, cash-flow center, Sankey and 10+ reports, debt-payoff goals, FIRE Monte Carlo, household members and tags, multi-currency, 8 languages

Our review

Short version

SavePoint is a Windows and macOS desktop program that keeps financial data on the user's computer and is sold as a one-time license. Its budget page supports annual category limits with budget-vs-actual tracking or an optional envelope mode. It also offers net-worth views, reports, debt goals and retirement/FIRE simulations. There are no bank connections in the current offline version; transactions are entered manually or imported from files.

Research-based profile, not hands-on testing. Updated 2026-10-14 from the vendor's site, manual, pricing page, roadmap and release notes, plus a third-party listing. I did not sign up, start a trial, use an account, or connect a bank.

How budgeting works

The default view sets yearly limits per category and compares them with actual spending. Optional envelope mode lets users fund envelopes from unassigned cash, move money between them and close each month by resetting or rolling over leftovers. Credit-card spending in envelope mode uses a Card Payment Reserve. A reconcile-to-cash step checks envelope totals against cash balances; statement-by-statement reconciliation was not confirmed.

The vendor's October 14, 2026 v1.6.5 release note adds check numbers, cleared-status tracking, a “Not Counted” category type and custom category types. This is a recent update; it does not establish that bank sync or mobile access has shipped.

Cost

The pricing page lists $99.99 and a limited-time $69.99 sale. The license covers two devices and the purchased major version, including its minor updates; later major versions are discounted. The interactive demo is limited. Refund wording varies between vendor pages: pricing says no traditional refunds, while the purchase FAQ permits refunds before download or license redemption.

Privacy and access

The vendor says the current software works offline and stores data locally. Downloading and activating a license requires a vendor-site account. No standalone privacy policy page was found in the previous review. The roadmap and pricing page describe cloud backup, bank aggregation and mobile sync as future or coming-soon options, not current capabilities.

What is distinct

SavePoint combines offline desktop budgeting with accountant-style reports and FIRE modelling, offered for a one-time fee. The vendor's cost comparisons are its own claims, not independent evidence.

Not confirmed

A dated app-store listing, mobile apps, bank sync in the current release, statement-level reconciliation, recurring transactions or bill reminders, and a product launch year. Independent user feedback remains sparse; vendor-hosted testimonials are not independent.

Who it suits

People who prefer local desktop software, detailed financial reports and retirement modelling, and are comfortable importing statements by hand. People needing phone access, automatic feeds or multi-device data sync will find the current offline version limiting.

Ratings are set separately against a shared rubric.

Sources

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