Wrenfold: your money, on your own device

What happens after you buy Wrenfold

1. Pay

   Pay at checkout. Your access link is emailed to you and this page unlocks on the device you paid from.

2. Download

   One zip with a start file for Windows and one for Mac. Double-click it: it finds Python, offers to install it if needed, and opens the app in your browser.

3. Use it

   The app runs on your computer and your data lives in a file you own. The monthly plan covers updates and email support: if you stop it, the app you have keeps working.

4. Come back for updates

   Open this page from your access link any time to download the newest version. Lost the link? Enter your email on this page and we send it again.

On your iPhone or iPad

Open the browser version in Safari, tap Share, then Add to Home Screen, and it opens like an app. Do the Add to Home Screen step before you enter anything: the Home Screen app keeps its own copy of your data, kept on that phone and nowhere else. It works with no connection after the first time, and it updates itself: Settings shows when a newer version is out. To unlock it past the 60-entry trial, open it from your access link once on that phone (or paste the link when it asks).

Paulie and the category suggestions can run on the phone itself (iOS 26 or later; the first time it downloads a small model). The SimpleFIN bank feed works from the phone too. If your browser is not allowed to reach SimpleFIN directly, an optional relay on our server passes the request along without keeping it; it is off unless you switch it on.

To move your data between your Mac and your phone, make an encrypted backup in Settings, send the file with AirDrop or save it to iCloud Drive in the Files app, then restore it on the other device. The Mac app saves backups into iCloud Drive when you have it. It is a copy you move yourself, not live syncing, and the app warns you before an older file replaces newer entries. Keep the backup passphrase somewhere safe: without it, nobody can open the file, us included.

Switching from another app? See plain comparisons, including when another product fits better.

It runs on your own computer and opens in your browser, reachable only from that machine. Add accounts of any kind (checking, savings, cash, credit cards, loans, investments, property) and see your net worth and how it has changed. Record or import transactions from your bank's CSV, OFX/QFX or PDF statement (text-based PDFs only, checked against the statement's own totals), with duplicates skipped and rules that categorize them for you. Set monthly budgets and watch spending against them, enter your bills and paychecks to see what is coming up and a cash forecast, track savings goals, and use the debt payoff planner to compare the avalanche and snowball methods with extra payments. A dashboard shows a net worth chart, a spending breakdown, income against spending by month, budget bars and goal progress, and the debt planner draws your balance falling month by month. Every chart has a table view and hover details. It works on a phone too: start it with --lan and open the link it prints in Safari on the same Wi-Fi, then use Add to Home Screen to pin it like an app. It is a web page served from your computer, not an App Store app, so the computer has to be running it, and the link is not encrypted, so use it only on a network you trust. An optional assistant can answer questions about your numbers and suggest categories. It can run on the device you are using, inside the browser, so nothing leaves it (it needs WebGPU: Safari on iOS 26 or later, or a recent Chrome, Edge or Safari on a computer, and a secure page, so on a phone over plain Wi-Fi the browser will not allow it; start the app with --tailscale and it sets up a secure https address through Tailscale, a separate app you install and sign in to yourself), or on an AI you run yourself on your computer such as Ollama or LM Studio. The first time, the open-source engine is fetched from the npm registry and checked against its published checksum, and your browser downloads the model from Hugging Face; after that it is kept. The app only talks to an address on your own computer or home network, you approve every suggestion, and small models can make mistakes. Reports cover spending by category, income and spending by month, net worth over time and the cash forecast. You can export everything to spreadsheets at any time. For an optional automatic bank feed, you can link SimpleFIN Bridge, a separate service you sign up for yourself; your bank data goes from them to your computer, and you can review and recategorize every transaction.