Private by architecture
Tus datos nunca salen de tu ordenador. No hay nube que hackear, ni cuenta que filtrar, ni telemetría llamando a casa. Apaga el Wi-Fi: Saldio no se entera.
Local-first personal finance · Now on Windows
Your money, clear and under control.
Saldio is a desktop finance manager that keeps every byte on your machine. You'll know exactly where your money goes · and nobody else will.
No cloud.·No accounts.·No tracking.
Free plan forever · 14-day Pro trial · No card. No account.
Windows · available now
macOS & Linux · coming soon
Summary
Your financial picture · June 2026
Monthly income
2.480,00 €
Next 7 days
3 charges74,97 €
Real vs ideal split
Needs942,40 €
297,60 € under
ideal 50%
Wants1.016,80 €
272,80 € over
ideal 30%
Savings520,80 €
24,80 € ahead
ideal 20%
Month income
2.480,00 €
Spent
1.959,20 €
Saved
520,80 € (21%)
Insight
"Wants" is 272,80 € over target. Cutting 3 subscriptions would cover it.
Payment radar
Streaming renews in 3 days · 12,99 €
0
Cloud servers
0
Accounts required
0
Trackers & telemetry
100%
Works offline
Why Saldio
Three promises.
Three promises.
No fine print.
Your month, on one screen
Your real vs ideal 50/30/20 split, savings rate and emergency-fund health · with insights that tell you what to do next, not just what happened.
Buy once. Own it forever.
One payment. A year of updates included, and the app is yours for life. No subscriptions · ironic, for an app that hunts down your subscriptions.
The product
Everything you need to understand your money.
No finance jargon, no decorative charts. Every screen answers a question you actually ask.
Monthly summary
Know exactly where the leak is.
Income, fixed costs and variable spending, with your real 50/30/20 split next to the ideal · and the deviation in euros, not vague percentages.
- Savings rate and emergency-fund health
- Deviations in € against your target, per bucket
- Automatic monthly close: each month archives itself with a report
Real vs ideal splitJune 2026
Needs942,40 €
297,60 € under
ideal 50%
Wants1.016,80 €
272,80 € over
ideal 30%
Savings520,80 €
24,80 € ahead
ideal 20%
Your savings rate is 21% · ahead of your 20% goal. Your cushion now covers 3.1 months of essentials.
Payment calendar
Never get ambushed by a renewal again.
Every subscription, installment and bill on one calendar, with a 7-day radar for what's coming. You know what charges you, how much, and when.
- Subscriptions, installment plans (quota progress) and financing
- Outstanding capital on every financing, always visible
- Ant expenses logged in seconds, keyboard shortcut included
June 2026Charges: 406,11 € · Income: 2.480 €
MoTuWeThFrSaSu
1Cloud 4,99
2
3Gym 29,00
4
5Rent 650
6
7
8
9Music 9,99
10
11
12Payday ↗
13
14
15
16Streaming 12,99
17
18
19
20Installment 3/12
21
📺
Streaming
in 3 days 12,99 €
in 3 days 12,99 €
💳
Laptop installment · 3/12
in 7 days 41,99 €
in 7 days 41,99 €
Analytics & insights
See where it really goes.
Tendencias, gastos por categoría y un motor de recomendaciones que convierte tus números en pasos concretos. No te dice que "gastas mucho": te dice cuánto, en qué y qué recortar.
- Income vs spending trend charts
- Per-category breakdown in percentages and euros
- Monthly history to see your real evolution
Spending by categoryJune 2026
Total1.959 €
Shopping744,50 €
Travel391,80 €
Investing352,70 €
Restaurants235,10 €
Groceries156,70 €
Transport78,40 €
"Shopping" concentrates 744,50 € this month · 38% of your spending. It's your biggest wants bucket.
Projection & simulator
See your balance six months from now.
A 6 – 12 month cash-flow projection built from your real commitments, plus a simulator that answers the question you keep asking: what would happen if I cancelled this?
- Projection that already counts your income, fixed costs and installments
- "What if…?" simulator with the one-year impact
- Net worth: assets and debts, connected automatically
Cash-flow projectionnext 6 months
What if I cancel the streaming bundle?
You save 21,98 €/mo → +263,76 € by year end
You save 21,98 €/mo → +263,76 € by year end
And everything else
The rest of the toolbox.
Payment commitments
Subscriptions, installment plans with quota progress, and financing with outstanding capital · all in one place.
Ant expenses, in seconds
Log a coffee before it cools: Ctrl + N and done. Small leaks, finally visible.
Automatic monthly close
Each month archives itself with its own report. Your financial history writes itself.
Savings goals
Crea huchas con aportación mensual sugerida y míralas llenarse. Tu colchón, tu viaje, lo que necesites.
Net worth
Assets and debts with monthly evolution. Balance and financing connect on their own · no double bookkeeping.
Bank statement import
Import your bank's CSV or Excel. The recurring-payment detector finds the subscriptions you forgot you pay.
Multi-currency
ECB exchange rates with an offline cache. Travel, earn or spend in another currency without doing the math.
Encryption & backups
Database encrypted at rest (AES-256-GCM), optional master password, encrypted backups and JSON/CSV export.
Signed updates (optional & can be turned off)
1-minute onboarding
English & Spanish interface
Dark & light themes
Privacy & security
Where's the cloud?
Where's the cloud?
There isn't one.
La mayoría de apps de finanzas suben tus movimientos a sus servidores y "prometen" no mirar. Saldio no puede mirar: tus datos se escriben en una base de datos cifrada en tu propio disco, y ahí termina su viaje.
AES-256-GCM encryption at restThe whole database, encrypted on your disk. Not just "in transit" · always.
Optional master passwordOne more layer if you share the computer. Your call.
Encrypted backups & JSON/CSV exportYour data is yours · including when you leave. No hostage data, no lock-in.
Cryptographically signed updatesOptional and can be disabled. If Saldio touches the network, it's because you asked.
No analytics, no telemetry, no "experience improvement"We measure nothing. Not anonymized, not aggregated. Nothing.
Your statements & transactionsCSV, Excel, or typed in by hand
Your computerEncrypted database, on your disk
Nowhere else. Ever.
"Bank-level security"? Banks keep your data on their servers. We simply don't have servers.
Pricing
Pay once. That's the whole model.
Typical cloud finance app
~96 €/yr, forever
vs
Saldio Pro
49 € once
→
OVER 5 YEARS, YOU SAVE UP TO
+431 €
Free
0 €forever
Try it with no time limit. Not a demo · it's yours.
- Full income, expenses, commitments & categories
- Basic 50/30/20 summary
- 1 savings goal
- JSON export
- Encrypted database (yes, even free)
Plus
29 €one-time
See your month clearly and stop flying blind.
- Everything in Free, plus:
- Full analytics + insights engine
- Payment calendar + 7-day radar
- Automatic monthly close + history
- Unlimited savings goals
- Master password + encrypted backups
- CSV export
Pro
49 €one-time
The full picture: past, present, and the next 12 months.
- Everything in Plus, plus:
- Proyección de tesorería a 6 – 12 meses
- "What if I cancel X?" simulator
- Net worth with monthly evolution
- CSV/Excel importer + subscription detector
- Multi-currency (ECB rates, offline cache)
- Backup restore
All plans: one-time payment · 1 year of updates included · the app never stops working. Lifetime-updates add-on coming soon.
| Feature | Free | Plus · 29 € | Pro · 49 € |
|---|---|---|---|
| Essentials | |||
| Income, expenses, commitments & categories | ✓ | ✓ | ✓ |
| 50/30/20 summary | Basic | Full | Full |
| Savings goals | 1 | Unlimited | Unlimited |
| Encrypted database (AES-256-GCM) | ✓ | ✓ | ✓ |
| Clarity | |||
| Full analytics + insights | — | ✓ | ✓ |
| Payment calendar + 7-day radar | — | ✓ | ✓ |
| Automatic monthly close + history | — | ✓ | ✓ |
| Master password + encrypted backups | — | ✓ | ✓ |
| The full picture | |||
| 6–12 month cash-flow projection | — | — | ✓ |
| "What if…?" simulator | — | — | ✓ |
| Net worth | — | — | ✓ |
| CSV/Excel import + subscription detector | — | — | ✓ |
| Multi-currency (ECB) | — | — | ✓ |
| Backup restore | — | — | ✓ |
| Data export | JSON | JSON + CSV | JSON + CSV |
FAQ
The questions we'd ask, too.
In an encrypted database file (AES-256-GCM) on your own disk. You can see it, copy it and back it up like any file. There is no copy on any server, because there are no servers.
Nothing bad. The app keeps working forever, with every feature you bought. You just stop receiving new versions. If you ever want to catch up, renew and you're set · no penalties.
It's on the roadmap, after macOS and Linux. We started with desktop on purpose: it's where finances get thought through, not scrolled through.
Yes. It's not a trial in disguise: full income, expense and commitment tracking, basic 50/30/20 summary, one savings goal and JSON export, with no time limit. The 14-day full-Pro trial is separate · and it doesn't ask for a card either.
That's what encrypted backups are for: keep them wherever you want (USB, NAS, your own cloud) and restore them on the new machine. And you always have JSON/CSV export · your data is never held hostage.
You don't have to take our word for it: block Saldio in your firewall and it works exactly the same. The only connections it ever makes (ECB exchange rates and update checks) are optional and can be turned off.
EMPIEZA ESTA HOY MISMO
Hoy mismo puedes saber exactamente dónde estás.
Descarga Saldio, apunta tus números de este mes y ve tu foto financiera en una pantalla · en menos de lo que tardas en tomarte un café.
Free plan forever · 14 days of Pro included · No card. No account. No cloud.