Privacy-First Finance Apps in 2026

Financial data is among the most sensitive information you have. Here's our curated list of apps that take your privacy seriously.

What Makes an App "Privacy-First"?

• Local data storage (not cloud)
• No mandatory bank connections
• Minimal data collection
• End-to-end encryption
• Open-source code (bonus)

1. SubScriptor - Subscription Tracking

Stores all subscription data locally on your Windows PC. No account required, no cloud sync, no bank connection needed. AI features are optional and process data only when you choose.

2. GnuCash - Full Accounting

Open-source accounting software that's been around for decades. Runs entirely locally, supports double-entry bookkeeping, and has zero cloud dependency.

3. YNAB (Offline Mode) - Budgeting

While YNAB typically syncs to cloud, it offers a local mode. The original YNAB 4 (legacy) is still available and runs completely offline.

4. Firefly III - Self-Hosted

For tech-savvy users, Firefly III is an open-source personal finance manager you can host on your own server. Complete control over your data.

5. HomeBank - Free & Local

Open-source personal accounting software that runs locally on Windows, Mac, and Linux. Import bank statements manually, no connections required.

Our Recommendations

• For subscriptions: SubScriptor
• For full budgeting: GnuCash or HomeBank
• For self-hosters: Firefly III