Features

Add, edit, split, and search transactions with a register designed for everyday bookkeeping.

Organize spending with a flexible category tree, tags, and archiving for inactive items.

Manage checking, savings, credit cards, cash, loans, and investment balances you track in a unified register.

Identify merchants behind cryptic bank descriptions using a local recognition database and aliases.

Automatically categorize transactions with rules, merchant data, MCC codes, and optional AI suggestions.

Create rules that categorize, tag, rename merchants, and handle repetitive bookkeeping tasks.

Optional AI for cleanup, rule suggestions, anomaly detection, and natural-language queries. Off by default. Use a BYO cloud key or local Ollama today; a managed AI path ships with Connected Services. Does not provide investment or tax advice.

Import transactions from CSV, QFX, and OFX files exported by your bank or another app.

Your data is never locked in. Full export is always available.

Connect financial institutions with your own SimpleFIN subscription today. Plaid sync provided by Big Picture Money is planned with Connected Services.

Coming soon

Sync your Big Picture Money database across multiple desktops and mobile companion apps with Connected Services.

Track spending against budgets and monitor assets, liabilities, and net worth over time.

Savings targets, balance floors, and custom rule goals alongside monthly budgets.

Understand where money goes with category breakdowns, trends, and visual reports.

Local encrypted database, passphrase protection, and transparent privacy controls.

Coming soon

Review recent transactions, categorize on the go, and check budget status through Connected Services multi-device sync.