FamilyFinance is a private finance tracker that works with any bank in the world and lives entirely on your device. No servers. No subscriptions. No data sharing — ever. Pay once. Use forever. Includes an AI tool subscription tracker — see exactly what you're spending on ChatGPT, Claude, Midjourney, and more.
Best experienced on a desktop or laptop web browser — CSV import from your bank is easiest from the web. Mobile-friendly for checking your dashboard on the go.
Why local-first?
Your financial data is among the most sensitive information about you. Here's the difference.
Features
Powerful tools that usually come with a subscription — now yours for life.
See income, expenses, and savings at a glance. Click any chart bar or category to drill down to the exact transactions behind it.
Claude AI automatically categorises your transactions. The more you use it, the smarter it gets — and it learns your preferences.
Automatically flags duplicate charges, card-testing micro-charges, overseas transactions, and vendor amount anomalies.
Automatically detects every recurring charge — including ChatGPT Plus, Claude Pro, Midjourney, GitHub Copilot, Notion AI, and more. See your total monthly AI spend at a glance across monthly, quarterly, and annual billing cycles.
Spending spike alerts, savings rate changes, biggest expense analysis — real insights, no fluff, computed entirely on your device.
Works with any bank in the world that exports CSV. Auto-detects column formats instantly — Chase, HSBC, Barclays, Monzo, Revolut, NAB, Santander, and thousands more. No manual setup needed.
View your finances by day, week, month, year, or all time. Navigate month by month with a single click to spot trends over time.
Add cash or manual entries with once, monthly, quarterly, or annual recurrence. Recurring entries are tracked and manageable.
Best on desktop or laptop — that's where CSV import from your bank is easiest. Also works great as a mobile web dashboard for checking spending on the go. Install to your home screen for a native app feel (PWA).
AI Tool Spending
Between ChatGPT, Claude, Copilot, Midjourney, Perplexity, Notion AI and more — AI costs are quietly stacking up for individuals and teams alike. Most people have no idea how much they're actually spending.
Most people subscribe to 4–6 AI tools without realising the total bill. Annual billing makes it easy to forget. Costs double as teams share access or each person pays for their own seat.
Import your bank or credit card CSV. FamilyFinance automatically identifies AI tool charges, groups them under a single category, and shows you a monthly-equivalent total — no manual tagging needed.
Which AI tools you're actually using vs. just paying for. Whether annual plans are worth it versus monthly. Which tools overlap in features. And exactly how much AI is costing you per month.
Example · AI Tool Spend This Month
= $1,040 / year on AI tools alone
How we compare
If you're paying a yearly subscription just to track your own money, it's time to switch.
| Feature | FamilyFinance | YNAB | Monarch Money |
|---|---|---|---|
| Price | A$49 once — forever | ~$109 USD/year | ~$99 USD/year |
| Data stored on their servers | ✓ Never | ✗ Yes | ✗ Yes |
| Bank login required | ✓ Never | ✗ Yes | ✗ Yes |
| Works with any bank worldwide | ✓ Any bank (CSV) | Limited | US-focused |
| AI fraud detection | ✓ Yes | ✗ No | ✗ No |
| Works offline | ✓ Fully offline | Partial | ✗ No |
| AI transaction categorisation | ✓ Yes | ✗ No | Limited |
Bank support
Our universal importer auto-detects column formats from virtually any bank. No configuration needed.
Export from your bank
Log in to your bank's website and download a transaction CSV — every major bank supports this.
Auto-detection
FamilyFinance reads your column headers and auto-maps dates, descriptions, and amounts — in any language.
Confirm & import
A live preview shows exactly how your data will be imported. Adjust if needed, then click confirm.
How it works
No accounts to create. No bank credentials to share. Just import a CSV and go.
Pay A$49. Receive your personal license key by email instantly.
Visit app.getfamilyfinance.com, enter your key, and the full app unlocks immediately.
Log in to your bank — Chase, HSBC, Barclays, NAB, or any other — download a transaction CSV, and drag it in. Columns are detected automatically.
AI categorises everything. Your dashboard, insights, and fraud alerts are ready instantly.
Pricing
One price. Lifetime access. All future updates included.
🛡️ 30-day money-back guarantee · Secure payment via Lemon Squeezy
FAQ
Everything you need to know before buying.
Yes — completely. FamilyFinance stores everything in your browser's local storage (IndexedDB). Your bank data never travels across the internet and is never stored on any server, including ours. We literally cannot see your transactions. No server means no data breach risk on our end.
No. FamilyFinance is a one-time purchase. You pay A$49 once and have lifetime access — including all future updates and features we build. The A$49 early-adopter price won't last forever.
Your license key works on up to 3 devices. Before clearing your browser, use the built-in export feature to download all your transactions as a CSV. You can re-import them on any browser or device in seconds.
Yes — that's one of the most popular use cases. Import your bank or credit card CSV and FamilyFinance automatically identifies recurring charges from AI providers: OpenAI (ChatGPT Plus), Anthropic (Claude Pro), Midjourney, GitHub Copilot, Notion AI, Perplexity, ElevenLabs, and many more. They're grouped automatically so you can see your total monthly AI spend in one place — including annual subscriptions normalised to a monthly equivalent.
Absolutely. Freelancers and solo operators use FamilyFinance to separate their AI tool costs from personal spending — useful for tax time and expense tracking. Small teams can each run their own private copy (one license key per person) to understand their individual AI tool footprint. Because everything is local and private, there's no corporate account or admin overhead to deal with.
FamilyFinance works with any bank in the world that lets you export a CSV — which is virtually every bank. Our universal importer auto-detects column formats from Chase, Wells Fargo, Bank of America, HSBC, Barclays, Monzo, Starling, Revolut, NAB, AMEX, Macquarie, ING, DBS, TD Bank, and thousands more. It also detects column headers in multiple languages. If your bank exports CSV, FamilyFinance can import it.
After purchase, you receive a unique license key by email. Visit app.getfamilyfinance.com, enter your key once, and the full app unlocks instantly. The key is stored in your browser so you only need to enter it once per device (up to 3 devices per key).
FamilyFinance is mobile-friendly for viewing your dashboard, transactions, and insights on the go. That said, it's best experienced on a desktop or laptop browser — that's where downloading a CSV from your bank and importing it is most convenient. You can also install it to your phone home screen via Chrome or Safari for a native app feel (PWA).
Never. FamilyFinance works from CSV exports only — the standard transaction files your bank lets you download directly. No open banking connections, no login credentials, no third-party access.
The biggest differences: price and privacy. YNAB costs around $109 USD per year and stores your financial data on their servers. FamilyFinance costs A$49 once — lifetime — and all data stays on your device. FamilyFinance also includes AI-powered fraud detection and works with any bank in the world via CSV, while YNAB only supports banks in a limited number of countries. If you want a YNAB alternative that's private, one-time-cost, and works globally, FamilyFinance is your best option.
Monarch Money costs around $99 USD per year and requires connecting your bank accounts via third-party open banking APIs — sharing your bank login credentials with a middleman. FamilyFinance is a one-time A$49 purchase. It never requires your bank login, stores nothing on servers, and works with any bank worldwide. If privacy matters to you, FamilyFinance is the clear winner.
Yes, fully. FamilyFinance is a Progressive Web App (PWA). After the first load, it works completely offline. All your data is local, so there's nothing to fetch from a server. You can install it to your desktop or phone home screen for an offline-capable native-app experience.
We offer a full 30-day money-back guarantee, no questions asked. If FamilyFinance doesn't work for you, contact us within 30 days of purchase for a full refund.
Your spending habits, salary, AI tool bills, and financial life belong to you — not to a Silicon Valley startup's servers. FamilyFinance keeps it that way, wherever you bank in the world.
Get Lifetime Access — A$4930-day money-back guarantee · No recurring charges · Any bank, any country · AI tool tracking included