Local · private · no accounts, no cloud
Imported statements, categorization, budgets, net worth, retirement projections, household sync — all the tools the big finance apps sell, all running on your computer. Nothing uploaded, no bank login required, no subscription.
Most finance apps work by holding your bank credentials and copying every transaction to their servers. That copy is what gets analyzed, sold, breached, or fed to AI training. SpendWellFi inverts the model: you keep the data, and the app comes to you.
Download PDF or CSV statements from your bank's website — the same files you can already get. Drop them into SpendWellFi. The parser runs on your CPU.
Categorization, deduplication, recurring-charge detection, budget pacing, net worth, retirement projections — all computed locally against your SQLite database file.
Want your partner or family to see things? Sync runs device-to-device across your own Wi-Fi with end-to-end encryption. No SpendWellFi server in the path.
Built by Sherman Solutions LLC, an Indiana-registered software studio founded on the principle that personal finance data should stay personal.
Your checking balance minus the bills due before your next paycheck. It uses the recurring charges the app already found in your imports and the income cadence it learned from your statements. One number, updated every time you import. No more head-math at the coffee shop.
Money piling up in checking and you're not sure what to do with it? The Cash Allocator runs it down a smart funnel — this month's bills, an emergency buffer, high-interest debt, your goals, then investing — and shows what each move is worth. Not a generic rule of thumb: it uses your real balances, interest rates, and goals to tell you where the next dollar earns the most. One screen, a clear answer.
The app remembers the first price Netflix charged you. When it changed, by how much, and on what date. It surfaces the subscriptions whose charges quietly stopped arriving (still active? renewed?). Real numbers about what your recurring life actually costs.
Most calculators stop at your retirement date. This one keeps going. It projects the year your savings run out — or shows you're set beyond 100 — and tells you which account to pull from next: taxable first, then tax-deferred, Roth and HSA last, so your tax-free money keeps compounding. Add your Social Security and pensions and it nets them against what you actually need, then flags your required minimum distributions the year they kick in. Every assumption is spelled out on screen.
Sole proprietor, single-member LLC, S-corp, or partnership — register it, tag the accounts and cards it uses, and every business dollar stays out of your personal spending. You get a live profit & loss laid out by Schedule C line (business meals already halved to 50%), and your net profit flows straight into the self-employment tax planner — so your quarterly estimates are based on actual profit, not gross deposits. Flip Net Worth and Safe-to-Spend between Personal, Business, or Combined whenever you like.
Sample screens with made-up numbers. Your real figures only ever live on your own computer — nothing here is uploaded, and neither is your data.
One database file on your machine, in a folder cloud-sync services don't touch. There is no SpendWellFi server holding your finances — a database that doesn't exist can't be breached.
Shared exports and partner sync use AES-256-GCM with Argon2id key derivation — without your password, the contents are noise. Your main database never leaves your machine at all.
Optional sync with your partner or family runs across your own Wi-Fi, end-to-end encrypted, device-to-device. No cloud middleman — nothing routes through anyone else's servers, including mine.
Checkout by Stripe. Your card details never touch this site.
You sign in to your bank's website like normal and download a statement (PDF or CSV). Drop it into SpendWellFi. The parsing happens on your computer. It's the one extra step that means nobody else holds your data — and most people forget it's an extra step within a week.
PDFs from Chase (personal, business, credit cards), PNC checking and credit cards, Bank of America, Wells Fargo, American Express, Discover, and Betterment are all directly supported. CSV imports cover dozens more. Unknown formats fall through to a generic parser. If your bank doesn't work, send a redacted sample to support@spendwellfi.com and there's a good chance it'll be supported in the next release.
Yes. Alongside the projection for people still saving, there's a drawdown mode built for retirees. It estimates how long your savings will last, recommends which account to pull from next to keep your tax bill down (taxable first, tax-deferred next, Roth and HSA last), offsets your spending with the Social Security and pensions you enter, and flags your required minimum distributions the year they start. The federal-tax assumptions are shown right on the screen — no black box.
Your database is a plain SQLite file on your computer. The app keeps working without me. You can open the file with any SQLite tool, export to CSV or Excel anytime, and your existing copy of the app keeps running because nothing about it phones home. This is the part subscription apps can't promise.
Yes. One payment of $69, then every update is free for life — bug fixes and new features alike. No subscription, no "pro tier," no paid version 2 down the road. The app runs on your computer, so there are no server costs to pass on to you.
Windows SmartScreen warns about installers it hasn't seen many times yet — that's its reputation system, not a virus detection. Click "More info" then "Run anyway." The warning fades as more people install each release, and disappears entirely once code signing (in progress with Microsoft's Trusted Signing program) is live.
Email support@spendwellfi.com within 14 days with your Stripe order number. Refunded to your card, no questions. (I'd rather you weren't using something that doesn't fit.)
Own your data, own the app, move on with your life.
Get SpendWellFi — $69