Local-first Windows finance

Every cent, on your machine

Centsmith imports credit card activity, separates personal and work spending, and keeps every record on your own Windows PC.

Buy for $39.99 CAD / year See how it works
Centsmith.exe Local database armed
May statement

Private ledger

No cloud
Work $1,206.42
Personal $2,413.88
Windows 10 and 11 $39.99 CAD / year Financial data stays local Secure installer unlocks after checkout

Expense work without surrender

Built for people who want the answer, not another account.

Centsmith keeps the workflow close to the machine: import statements, tag the truth, review the month, export the proof.

Centsmith - Dashboard

Dashboard

Monthly credit card spending, split between Personal and Work, plus checking income

May 2026
Personal $2,413.88
Work $1,206.42
Income $8,940.00
Inbox 12
Personal, Work, and Income by month Latest month: May 2026
Privacy

Private by design.
Local by default.

All data lives on your Windows machine. No account. No subscription. No telemetry. Delete the app and it's truly gone.

Classify

Personal vs. Work,
split on every transaction.

Categorize each charge with a single keystroke. See exactly what you spent personally vs. on the job, ready for reimbursement at month-end.

Read

Dashboards that show
where money actually went.

Monthly bar charts, category breakdowns, and trend views. Spot a creeping subscription before it becomes a habit.

Export

Export anything.
Own everything.

CSV for accountants. PDF for tax time. SQLite for the curious. Your records are yours to take anywhere.

The loop

Four passes from statement file to useful record.

Import

Bring in statement activity.

Start from the files you already download from your bank or card provider.

Classify

Separate work from life.

Move quickly through new transactions and keep reimbursements visible.

Read

Watch the month take shape.

Use charts and summaries to see where spending is moving.

Export

Send the record onward.

Keep your database, export reports, or hand clean files to an accountant.

Local means literal

Your records are files on your computer.

Centsmith is designed around a local SQLite database, not a server-side account. Delete the app data folder and the local record is gone from your machine.

%APPDATA% Centsmith centsmith.sqlite

Releases

Subscribe yearly. Download the newest Windows installer.

The website reads the public Centsmith releases feed for changelogs. The installer unlocks through Stripe Checkout after the first yearly payment.

Loading releases...