Financial Intelligence That Never Leaves Your Device

Auto-categorize transactions, track budgets, and analyze spending with a local-first app. No cloud servers, no tracking, no compromises.

Acclo IQ
No cloud servers
No backend
No tracking
Your data stays on your device

Everything You Need to Take Control

Powerful features that work together to give you complete visibility into your finances.

Auto-Categorization

Regex-powered rule engine categorizes every transaction instantly. Longest match wins.

Dashboard

KPI cards, spending trends, and summary tables at a glance.

Budgets

Category-level or subcategory-level monthly targets with history and trends.

Spending Analysis

Pivot tables by category, merchant, or time. Year-over-year comparisons.

Bank Sync

Connect via SimpleFIN for automatic transaction import. 60-day rolling window.

Cloud Sync

End-to-end encrypted CRDT sync via Google Drive. Your password, your data.

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 in a SQLite database on your device. 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

Anonymous, bucketed analytics with fresh random IDs. No persistent identifiers. One toggle to disable completely.

How It Works

From CSV to complete financial picture in minutes.

01

Import or Connect

Upload CSV exports from any bank or connect SimpleFIN for automatic sync.

02

Auto-Categorize

The regex rule engine matches every transaction to a merchant and category instantly.

03

Track & Analyze

Dashboard KPIs, budget tracking, and spending analysis — all updated in real-time.

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 Stronghold 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
  • Up to 2 bank accounts
  • Unlimited CSV import/export
  • Full rule engine
  • Dashboard & analysis
  • Budget overview
Get Started
Recommended
Pro
$6.99
per month · $49.99/year
  • Everything in Free, plus:
  • Unlimited accounts
  • Bank sync (SimpleFIN)
  • Cloud sync (E2E encrypted)
  • Budget history & trends
  • Full analysis & YoY
  • Receipts & backup
See Full Comparison

Ready to Take Control of Your Finances?

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