Works with the Wi‑Fi off
Your money, your machine.
Every morning, Maali tells you what changed, what’s unusual, and whether you’re on track. A complete personal-finance app with an AI analyst. Everything, even the AI, runs on your own Mac.
Early access · launching soon · the demo uses made-up data
The unplug test
Pull the network cable. Maali doesn’t notice.
Most finance apps are a window into someone else’s computer, where your data actually lives. Maali is the opposite: the app, your numbers, and the AI analyst all live on your Mac. Offline, everything still works.
Your dashboards
Spending, budgets, net worth, month-end forecasts, all computed on your machine, from files only you hold.
Your categories
Transactions are sorted automatically, on-device. Nothing is sent away to be “processed.”
Your analyst
The AI that writes your monthly briefing is a model running on your Mac. Your numbers never reach a cloud AI.
Three honest options
How your data gets in, and who can see it
No fine print. Here’s exactly where your information goes with each way of using Maali, compared with the apps you may be using today.
Import files yourself
Download statements from your bank’s website and drop them into Maali. Your financial life never leaves your house. No third party, no exceptions.
Automatic sync, on your terms
Prefer hands-off? Connect through SimpleFIN, an independent privacy-respecting bridge you pay $15/yr directly. Your Mac fetches from it. We are never in the path and never see a thing.
Typical cloud finance apps
Your transactions are copied to their servers, analyzed there, and kept there, governed by a privacy policy that can change, at a company that can be acquired or breached.
A real analyst, not just charts
Everything a money app should do, done privately
Maali isn’t a stripped-down tradeoff you accept for privacy. It’s the full thing, and you can try every screen in the live demo.
Categorization you stay in charge of
New charges are sorted automatically, with AI suggestions for the odd ones. You review and approve, and Maali learns your rules.
Monthly briefings, written for you
Each month the analyst writes a plain-English briefing: where the money went, what changed, what to watch.
Trends and gentle alarms
Twelve-month trajectories, month-end forecasts, and a flag when a charge is out of line for that merchant.
Subscriptions, watched
Every recurring charge in one list, with its real monthly cost, and a nudge when a price quietly creeps up.
On your phone too
Add Maali to your home screen and check it from the couch, served by your own Mac over your own private connection.
Calm by design
No ads, no upsells, no “linked offers.” You are the customer, not the product, so the app can afford to be quiet.
Founder’s price for joining early; it rises to $149 later. Pay once and keep it forever: a year of updates is included, then updates are an optional $29/yr and the app keeps working either way. No subscription, ever. And when Maali ships, you’ll get the full app free for 30 days on your own data, no card needed, so you only pay if it earns it.
Can’t wait for the trial? Try the live demo right now. It runs on made-up data.
Runs on any Apple Silicon Mac (M1 or later). The AI analyst is optional: a one-time 5.3 GB download that uses about 6 GB of memory while it writes. Turn it off and every dashboard, budget, and forecast still works.