No. 151of 181 ·Personal Finance Software

My Financial Life

Windows · Mac · Linux

Freedom report

Two barsScore 5.5

Free tierA free tier is on its own pricing page
Runs widely3 of 6 device platforms
DocumentedThinly documented

My Financial Life is ranked #151 of 181 in personal finance software on Freedom251, made by My Financial Life (West coast of Scotland). It runs on Linux, macOS, Windows. There is a free plan.

My Financial Life plans and pricing

All plans

Free and open source (GPL-3.0) Free No trial clock, feature gate, upsell, or paid tier 64-bit Linux release · bank downloads not yet available garelochsoft.com · 12 Oct 2026

Compared on personal finance software

Free plan: Yes
Budgeting tools: Yes
Bill tracking: Yes
Net-worth tracking: Yes
Account sync: manual

Best My Financial Life alternatives

See all 20

Two bars SoFi Free tier No. 1Free8.3 Two bars PocketSmith Free tier No. 2$9.99/mo8.3 Two bars GnuCash Free tier No. 3Free8.0 Two bars EveryDollar Free tier No. 4$17.99/mo8.0 Two bars Wallet by BudgetBakers Free tier No. 5Free8.0 Two bars Sure Free tier No. 6Free8.0

The record

Purpose: My Financial Life is a personal finance app for tracking accounts, budgets, investments, and net worth on your own device.
Accounts: It supports current, savings, credit, cash, investment, property, vehicle, and loan accounts, with transaction registers, splits, and matched transfers.
Imports: It imports OFX, QFX, QIF, and CSV files and includes a column-mapping wizard, remembered categories, and a rules engine.
Bank connections: Automatic bank downloads are in progress, with pluggable providers and Enable Banking planned first; they are not in the current release.
Budgeting: Budgeting includes an annual plan-versus-actual view, monthly burn-down, rollover, and savings or debt-paydown goals.
Investments: Investment tracking includes FIFO cost basis, gains, dividends, bonds, options, and money-weighted returns; security prices can come from Tiingo using the user's own key.
Currencies: It supports accounts in different currencies, historical exchange rates, and converting reports to another currency.
Storage: Financial data is kept in an autosaving .mfl file using plain SQLite, with rotating snapshots on the user's own computer.
Privacy: The app has no account or cloud service and sends no account or transaction data; its optional exchange-rate and investment-price requests use the user's own API keys.
Integrations: The maker names optional exchange-rate services and Tiingo for investment prices; both are configured with the user's own API keys.
Linux packages: The 1.0.0 release offers a Debian/Ubuntu package, a portable AppImage, and a tarball for 64-bit Linux.
Other platforms: macOS and Windows builds run from source, but signed installers are not part of the release; the maker says code signing is the blocker.
Support: Users can report bugs or request features through GitHub issues or email Garelochsoft; the maker says a real person reads every message.
Intended users: The maker describes it as suited to people with multiple accounts, currencies, property, loans, and investment portfolios who want local data and portfolio tracking.
Price from: Free

Where it ranks on Freedom251

Best Personal Finance Software in 2026#151 of 181

Is My Financial Life yours?

Claim it for free: prove the domain, then correct facts, plans and screenshots. An editor reviews every change.

Claim it free Promote My Financial Life

Sources

garelochsoft.com/features/· checked 12 Oct 2026
garelochsoft.com/download/· checked 12 Oct 2026
garelochsoft.com/privacy/· checked 12 Oct 2026
garelochsoft.com/support/· checked 12 Oct 2026
garelochsoft.com/about/· checked 12 Oct 2026
garelochsoft.com· checked 28 Sept 2026