Privacy-centric personal finance management with local data sovereignty and powerful investment tracking.
Moneydance is a robust, desktop-centric personal finance application designed for users who prioritize data privacy and local control over cloud-based alternatives. Built on a Java-based cross-platform architecture, it offers full parity across macOS, Windows, and Linux. In the 2026 market landscape, Moneydance distinguishes itself from SaaS-only competitors by maintaining an 'Offline-First' philosophy while offering optional hybrid connectivity via 'Moneydance+', a subscription-based bridge to modern banking APIs like Plaid and Salt Edge. The technical architecture supports AES-256 local encryption and a proprietary syncing engine that leverages Dropbox or shared network folders without exposing raw financial data to third-party servers. Beyond basic budgeting, its investment module provides sophisticated cost-basis calculations, stock split handling, and real-time portfolio performance metrics. For developers and power users, Moneydance provides a Python-based extension environment, allowing for custom report generation and automated transaction processing. This positioning makes it the premier choice for high-net-worth individuals and technical users seeking institutional-grade tracking with consumer-grade privacy standards.
A built-in script runner that allows users to execute Python scripts to manipulate data objects, automate entries, or generate custom UI elements.
Verified feedback from the global deployment network.
Post queries, share implementation strategies, and help other users.
Uses end-to-end encryption to sync data across devices via Dropbox or local networks without Infinite Kind ever having access to the decryption keys.
Calculates capital gains/losses using FIFO, LIFO, or Average Cost methods with support for complex corporate actions like splits and spin-offs.
Every account can have a different currency, with the engine fetching daily exchange rates and calculating cross-currency net worth in real-time.
An optional bridge that integrates the local database with modern FinTech APIs for seamless transaction aggregation.
Integrated tax tracking allows for the categorization of sales tax within individual transactions for business reporting.
Maintains legacy support for Direct Connect, allowing users to bypass third-party aggregators if their bank supports it.
User wants to track multi-million dollar net worth without storing data on a vendor's cloud server.
Registry Updated:2/7/2026
User earns in EUR, pays mortgage in USD, and has investments in GBP.
Quicken user moving to a subscription-free (core) model on Linux.