Private by architecture
Your data never leaves your computer. There's no cloud to breach, no account to leak, no telemetry calling home. Turn off the Wi-Fi and Saldio won't even notice.
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
SALDIO
Summary
Income
Commitments
Calendar
Expenses
Goals
Net worth
Analytics
Summary
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 three 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.
No fine print.
Your month, on one screen
Your real versus 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 · which would be 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 in vague percentages.
- Savings rate and emergency-fund health
- Deviations in € against your target, bucket by bucket
- Automatic monthly close: every month files itself with its own 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, instalment and bill on one calendar, with a seven-day radar for what's coming. You know what charges you, how much, and when.
- Subscriptions, instalment plans with quota progress, and financing
- Outstanding capital on every financing, always in view
- Small everyday 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
20Instalment 3/12
21
Streaming
in 3 days 12,99 €
in 3 days 12,99 €
Laptop instalment · 3/12
in 7 days 41,99 €
in 7 days 41,99 €
Analytics & insights
See where it really goes.
Trends, spending by category, and a recommendation engine that turns your numbers into concrete steps. It doesn't tell you that you "spend a lot" · it tells you how much, on what, and what to cut.
- Income-versus-spending trend charts
- Per-category breakdown in both percentages and euros
- Monthly history, so you can see your real evolution
Spending by categoryJune 2026
Total1.959 €
Shopping744,50 €
Travel391,80 €
Investing352,70 €
Restaurants235,10 €
Groceries156,70 €
Transport78,40 €
Shopping accounts for 744,50 € this month · 38% of your spending, and your largest wants bucket.
Projection & simulator
See your balance six months from now.
A six-to-twelve-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?
- A projection that already counts your income, fixed costs and instalments
- A "what if…?" simulator that shows the one-year impact
- Net worth: assets and debts connected on their own
Cash-flow projectionnext 6 months
What if I cancel the streaming bundle?
You save 21,98 €/month → +263,76 € by year end
You save 21,98 €/month → +263,76 € by year end
And everything else
The rest of the toolbox.
Payment commitments
Subscriptions, instalment plans with quota progress, and financing with outstanding capital · all in one place.
Small expenses, in seconds
Log a coffee before it goes cold: Ctrl + N and done. The small leaks, finally visible.
Automatic monthly close
Each month files itself with its own report. Your financial history writes itself.
Savings goals
Create pots with a suggested monthly contribution and watch them fill. Your cushion, your trip, whatever you're saving for.
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 were paying.
Multi-currency
ECB exchange rates with an offline cache. Travel, earn or spend in another currency without doing the maths.
Encryption & backups
Database encrypted at rest (AES-256-GCM), optional master password, encrypted backups and JSON/CSV export.
Signed updates, optional and switchable
One-minute onboarding
English and Spanish interface
Dark and light themes
Privacy & security
Where's the cloud?
There isn't one.
Most finance apps upload your transactions to their servers and promise not to look. Saldio can't look: your data is written to an encrypted database on your own disk, and that's where its journey ends.
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 and JSON/CSV exportYour data is yours · including when you leave. No hostage data, no lock-in.
Cryptographically signed updatesOptional, and you can switch them off. If Saldio touches the network, it's because you asked.
No analytics, no telemetry, no "experience improvements"The app measures nothing. Not anonymised, not aggregated. Nothing.
Your statements and 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. Saldio simply doesn't have servers.
Pricing
Pay once. That's the whole model.
What five years of budgeting software costs you
A typical cloud finance app
480 €
Saldio Pro, bought once
49 €
431 € you never pay
Based on a 96 €/year subscription, roughly what the well-known cloud budgeting apps charge. Saldio Pro is 49 € once, and the fifth year costs the same as the second: nothing.
Free
0 €forever
Use it with no time limit. Not a demo · it's yours.
- Full income, expenses, commitments and categories
- Basic 50/30/20 summary
- One savings goal
- JSON export
- Encrypted database · yes, on the free plan too
Plus
29 €one-time
See your month clearly and stop flying blind.
- Everything in Free, plus:
- Full analytics and the insights engine
- Payment calendar and seven-day radar
- Automatic monthly close and history
- Unlimited savings goals
- Master password and encrypted backups
- CSV export
Pro
49 €one-time
The full picture: past, present, and the next twelve months.
- Everything in Plus, plus:
- Six-to-twelve-month cash-flow projection
- "What if I cancel this?" simulator
- Net worth with monthly evolution
- CSV/Excel importer and subscription detector
- Multi-currency, with ECB rates and an offline cache
- Backup restore
Every plan: one-time payment · one year of updates included · the app never stops working. A lifetime-updates add-on is coming.
Try everything in Pro, free for 14 days.
No card. No account. No countdown emails. When it ends, you keep Free forever.
Plan by plan
| Feature | Free | Plus · 29 € | Pro · 49 € |
|---|---|---|---|
| Essentials | |||
| Income, expenses, commitments and categories | ✓ | ✓ | ✓ |
| 50/30/20 summary | Basic | Full | Full |
| Savings goals | 1 | Unlimited | Unlimited |
| Encrypted database (AES-256-GCM) | ✓ | ✓ | ✓ |
| Clarity | |||
| Full analytics and insights | – | ✓ | ✓ |
| Payment calendar and seven-day radar | – | ✓ | ✓ |
| Automatic monthly close and history | – | ✓ | ✓ |
| Master password and encrypted backups | – | ✓ | ✓ |
| The full picture | |||
| Six-to-twelve-month cash-flow projection | – | – | ✓ |
| "What if…?" simulator | – | – | ✓ |
| Net worth | – | – | ✓ |
| CSV/Excel import and subscription detector | – | – | ✓ |
| Multi-currency (ECB rates) | – | – | ✓ |
| 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 other 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 simply 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 isn't a trial in disguise: full income, expense and commitment tracking, the 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 stick, NAS, your own cloud) and restore them on the new machine. You also always have the 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.
Start tonight
By tonight you could know exactly where you stand.
Download Saldio, enter this month's numbers, and see your financial picture on one screen · in less time than it takes to drink a coffee.
Free plan forever · 14 days of Pro included · No card. No account. No cloud.