We check every product on this page once a day and record whether it still answers.
An on-device subscription tracker with a one-time lifetime unlock instead of a cloud account or recurring fee.
Watch out · No account, no bank connection, no cloud.
No sign-upWorks offlineNo subscription
What to know▼
How it works
Tracks subscriptions, trials, and recurring bills entirely on-device, showing monthly/yearly costs and catching trials before they convert, with local renewal reminders.
We check every product on this page once a day and record whether it still answers.
A local-first bookmark and file library for Mac that saves links, images and PDFs with on-device AI sorting, for a one-time payment. For individuals who want a private personal archive, not team use.
Works offlinePay onceNo subscription
What to know▼
How it works
A local-first personal library on Mac that saves links, images and PDFs, with on-device AI sorting them automatically.
Pricing
One-time payment.
Best for
Individuals wanting a private personal archive, not a team tool.
We check every product on this page once a day and record whether it still answers.
Converts irregular freelance income into a steady monthly paycheck by splitting deposits across paycheck, tax, buffer, and profit accounts, instead of budgeting off a good month and getting caught out by a slow one.
FreeNothing to installPay once
What to know▼
How it works
Sizes a paycheck off your income floor, not average; free Income Stability Score front door
Best for
Freelancers/self-employed with month-to-month income swings: translators, editors, designers, photographers, writers, consultants
We check every product on this page once a day and record whether it still answers.
Private expense tracker based on the 50/30/20 budgeting rule, no login, one-time payment.
No sign-upData stays with youPay once
What to know▼
How it works
Tracks expenses around the 50/30/20 budgeting rule with smart budgeting, monthly insights, recurring transactions and PDF export, storing data only on the device.
Pricing
One-time payment, no subscription.
Best for
People wanting a private expense tracker with no login.
We check every product on this page once a day and record whether it still answers.
Saves screenshots and shared content from any app into one categorized, on-device library using Apple Intelligence.
Watch out · Relies on on-device Apple Intelligence.
No sign-upWorks offlineNo subscription
What to know▼
How it works
Lets you share content from any app's share sheet into one place — title and image are grabbed automatically, and on-device Apple Intelligence sorts it into a category; browse by category, add tags, or use 'Daily Review' to resurface saves.
We check every product on this page once a day and record whether it still answers.
An envelope-style budget tracker that imports bank statements and categorizes spending entirely in your browser, for a one-time payment with no subscription and no data upload.
Data stays with youPay onceNo subscription
What to know▼
How it works
An envelope-style budget tracker that imports bank statements, auto-categorizes spending, and tracks recurring bills, storing everything in the browser.
We check every product on this page once a day and record whether it still answers.
Browser-only debt payoff planner that turns your numbers into a specific debt-free date, with no account, no subscription, and no data leaving the browser.
No sign-upNo subscription
What to know▼
How it works
Calculates a debt-free date from your inputs entirely client-side.
Pricing
No subscription.
Best for
people who don't know where to start paying off debt.
We check every product on this page once a day and record whether it still answers.
An envelope-budgeting app that tracks expenses over any timeframe entirely on-device, for privacy-conscious users who want a one-time purchase instead of a subscription budgeting app.
FreeWorks offlinePay once
What to know▼
How it works
Expenses from any card or cash are assigned into envelopes; the app runs 100% on-device and works offline with a 'Data Not Collected' privacy label.
Pricing
Free for 5 envelopes, $4.99 once for unlimited, no subscription.
We check every product on this page once a day and record whether it still answers.
Estimates how many months you could cover expenses if your income stopped, no bank connection needed. A one-time-purchase, on-device check, not a subscription budgeting app.
Data stays with youPay onceNo subscription
What to know▼
How it works
Answers a few honest questions, with no bank linking, to estimate how many months you could cover expenses if your income stopped, then lets you check in daily and model the next 30, 60, or 90 days.
What's different
No bank linking required, and your data stays on your device.
Pricing
One-time purchase, no subscription.
Best for
People who want to know their financial runway without connecting a bank account.
