Local-first budget clarity

A clear monthly budget ledger for real household spending.

MonthSum helps you turn card and bank activity into a readable month-by-month picture of income, fixed bills, variable spending, and remaining income—without connecting to your bank.

Try MonthSum in your browserDownload on the Mac App Store

No bank login. No ads. No transaction upload. Your private budget data stays on your device.

September 2026Saved locally
Income$10,163
Fixed$4,758
Variable$2,227
Remaining$3,177
GroceriesEating OutHealthHousehold

What it is

Built for people who want control without a bank connection.

How it works

1

Add accounts

Name each card, bank account, or cash source so activity stays easy to review.

2

Import or paste

Map statement columns once, then review transactions before they enter your ledger.

3

Adjust categories

Fine-tune categories, recurring bills, and applied months as real life changes.

4

Read the month

See fixed spending, variable spending, income, remaining income, and category trends in one place.

A private budgeting alternative

Budget from statement activity without sharing bank credentials.

MonthSum is a personal budget tracker for Mac built around the files you already receive from banks and credit cards. Import CSV or Excel activity, paste recent transactions, or add an item manually—then review the month before anything enters your ledger.

It separates income, recurring fixed bills, and variable spending so household budgets remain readable from month to month. MonthSum does not require a bank login, subscription account, or transaction upload.

Mac edition

MonthSum is available on the Mac App Store.

View MonthSum on the Mac App Store. For support, contact support@monthsum.com.

Browser trial

Experience the real MonthSum workflow.

Use your own activity or the included fictional example without creating an account.

  • One account and up to 150 transactions per temporary session
  • CSV, Excel, pasted activity, manual entries, plans, and recurring bills
  • No backup, restore, export, reusable profiles, or reopened workspaces
  • Files are processed in the browser and are not uploaded
  • Reloading or closing the trial clears user-entered data
Open browser trialDownload on the Mac App Store