A local-first, fully encrypted personal finance manager for your desktop.
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OneFinance keeps your entire financial life — accounts, transactions, budgets, goals, investments — in a single SQLite database on your machine, encrypted at rest with a master password. There are no accounts, no cloud, no telemetry. The only network traffic the app ever makes is fetching market quotes for the investments you choose to track.
- Features
- Privacy: Local-First by Design
- Installation
- Development
- Contributing
- Security Policy
- License
A one-screen overview of your money: income, expenses, and cash-flow KPIs with period-over-period deltas, a net-worth hero chart over your full history, and detail widgets for recent transactions, top spending (budget-aware, with your savings goals alongside), upcoming bills, and an investment watchlist. Every widget clicks through to the underlying data. A Customize panel lets you show, hide, and reorder widgets to taste.
Log income, expenses, and transfers across all your accounts, with powerful filtering by label, account, date, amount, and type. Multi-select transactions for bulk delete or bulk category/account reassignment. Amount fields double as inline calculators — type 120 / 3 + 5.99 and it evaluates in place.
Set a monthly spending limit per category and track the current month against it: progress bars, pace indicator, days left, and a clear over-budget flag. Budgeted categories surface directly in the dashboard's spending widget so you always know where you stand.
Define a target amount and optional deadline per goal. Progress tracks either a linked account's live balance or manual contributions, and a linear on-pace projection tells you the required monthly saving and whether you're on track to make the date.
Recurring transactions (weekly, bi-weekly, monthly, yearly) post themselves automatically — rent, salary, subscriptions. Each schedule can fire a native desktop notification a configurable number of days before it's due, so bills never surprise you. Optional tray and start-on-login settings keep OneFinance running in the background, so schedules post and reminders fire even with the window closed.
Track portfolios of stocks, ETFs, mutual funds, and crypto with live quotes. Holdings quote in their native currency and convert automatically to yours, including trade-date exchange rates for accurate cost basis. Dividends are captured automatically from market data (or entered manually) and credited to your cash. Per-holding price alerts notify you when a position moves past your daily, weekly, or monthly threshold. Performance is measured with the Modified Dietz method so deposits and withdrawals don't distort returns.
Visualize where your money goes: cash-flow and net-worth trends, expense breakdowns by category, and a GitHub-style spending calendar heatmap that makes heavy-spend days obvious at a glance. A separate Investment Performance view benchmarks your portfolio over any period. Every chart clicks through to the matching filtered transactions.
Built-in compound interest, loan/mortgage amortization (with accelerated-payment comparison), and debt payoff planning (avalanche vs. snowball) — all client-side, nothing saved, safe for hypotheticals.
Teach OneFinance your merchants once: "title contains X → category Y" rules pre-fill the category when you enter a matching transaction. Rules are ordered by priority, toggleable, and always overridable — a suggestion never fights your explicit choice.
Your database is encrypted at rest with SQLCipher, keyed by a master password that never touches disk. The app locks automatically after a configurable idle period, on OS sleep/screen lock, or instantly with Ctrl+Shift+L. An optional stay-unlocked policy (15 minutes up to 1 week) stores the key in your operating system's keychain — never in plaintext — so you can skip re-typing on trusted machines. There is deliberately no password recovery: nobody, including us, can read your data without the password.
Automatic daily or weekly backups to a folder you choose, plus one-click manual backups — all encrypted with your master password (AES-256-GCM), with automatic rotation of old backup files. Export and import round-trip your complete dataset, and pre-2.0 plaintext exports still import for a smooth upgrade path.
Pick your region once and the whole app follows: date format, number separators, and currency symbol, consistently across every view, chart, and desktop notification.
Ctrl+K opens a fuzzy-searchable palette covering every view and common actions (new transaction, toggle privacy, lock). Every shortcut is remappable in Settings, with OS-aware bindings (⌘ on macOS, Ctrl elsewhere) and conflict detection.
Light and dark themes, applied consistently across every view, chart, and control — pick one or follow your system. Every screenshot above shows the dark theme; here's the same dashboard in light mode:
And a privacy mode blurs amounts for over-the-shoulder safety:
- All data stays on your device, in one SQLCipher-encrypted SQLite file.
- No account, no sign-up, no cloud sync, no telemetry. The app is fully functional offline.
- The only outbound network calls fetch market quotes and FX rates (Yahoo Finance) for investments you track — and only if you use the Investments feature.
- Backups and exports are encrypted with the same master password as the database.
Download the latest version from the Releases page.
| OS | Install |
|---|---|
| Windows | Download and run the .exe installer. |
| Linux | Download the .AppImage, make it executable (chmod +x), and run it. |
| macOS | No prebuilt binaries — clone the repository and build from source (npm run dist:mac). |
- Node.js v24+
- npm v11+
git clone https://github.com/HarshPanchal01/OneFinance.git
cd OneFinance
npm install
npm run dev # Vite dev server + Electron with hot-reload| Command | Description |
|---|---|
npm run dev |
Start the app in development mode (hot-reload) |
npm run build |
Type-check, build, and package with Electron Builder |
npm run typecheck |
TypeScript type-checking (vue-tsc) |
npm run lint |
ESLint with auto-fix |
npm run lint:check |
ESLint, check only (what CI runs) |
npm test |
Unit tests (Vitest) |
npm run dist:win / dist:linux / dist:mac |
Build platform installers into release/ |
Contributions are welcome! See CONTRIBUTING.md for the architecture overview, coding conventions, and pull-request workflow, and the Code of Conduct for community guidelines.
Found a vulnerability? Please report it privately — see SECURITY.md.
Distributed under the MIT License. See LICENSE for more information.