Financial Intelligence That Never Leaves Your Device

The only personal finance app where your data never leaves your device. Import from any bank, categorize automatically, and analyze your spending — all on your device, with zero compromise to your privacy.

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Acclo IQ
Acclo IQ dashboard showing spending summary, category breakdown, and trend charts Acclo IQ dashboard showing spending summary, category breakdown, and trend charts
Data never leaves your device
No signup needed
Works fully offline
Fully anonymous analytics

Privacy by Architecture,
Not by Promise

We didn't just write a privacy policy. We built an architecture that makes data collection impossible.

Local-First

All data lives on your device. Nothing is sent to our servers. We literally cannot access your financial data.

E2E Encrypted Sync

Cloud sync uses AES-256-GCM encryption with a password only you know. We cannot decrypt your data.

No Required Telemetry

Privacy-respecting, bucketed analytics that help us count users — not track them. No cookies, no fingerprints. One toggle to disable completely.

How It Works

From bank statement to complete financial picture in minutes.

01

Connect Your Bank

Link your bank or drag-and-drop a statement file.

02

Smart Categorization

A pattern-matching engine learns your merchants and categorizes every transaction automatically.

03

See the Full Picture

Recurring charges detected automatically. Budgets split into committed vs flexible. Spending trends and insights — all in one dashboard.

One App, Two Modes

Same features, same data, same experience — choose how you want to run it.

Desktop App

Native Tauri 2 app with file-based SQLite, OS-level credential storage, and native file dialogs. macOS, Windows, Linux.

  • File-based SQLite database
  • OS keychain credentials
  • Native file dialogs

PWA / Browser

Progressive web app with SQLite compiled to WASM and persisted in IndexedDB. AES-256-GCM encrypted credentials. Runs anywhere.

  • sql.js WASM + IndexedDB
  • AES-256-GCM credential encryption
  • No install required

Simple, Honest Pricing

Start free. Upgrade when you need more.

Free
$0
forever
  • Dashboard, budget & analysis
  • Recurring detection (12-mo)
  • Smart auto-categorization rules
  • Up to 2 accounts, 5 tags
  • CSV import/export & backup
  • Sample bank format profiles
Get Started
Recommended
Pro
$6.99
per month · $49.99/year
  • Everything in Free, plus:
  • Unlimited accounts & tags
  • Budget history & trends
  • Full recurring & forecasts
  • Full analysis & YoY
  • P&L Statements
  • Bank sync (SimpleFIN)
  • Cloud sync (E2E encrypted)
  • Receipt attachments
See Full Comparison

Ready to Take Control of Your Finances?

Download now or try the live demo — no signup, no credit card, no commitment.