Freedom251 › Personal Finance Software
My Financial Life
What My Financial Life is
My Financial Life is a free personal finance app for tracking accounts, budgets, investments, and net worth on your own device. It runs on Linux, macOS, and Windows and supports current, savings, credit, cash, investment, property, vehicle, and loan accounts, including transaction registers, splits, and matched transfers. Imports accept OFX, QFX, QIF, and CSV files through column mapping, remembered categories, and rules. Budgeting provides annual plan-versus-actual views, monthly burn-down, rollover, and savings or debt-paydown goals. Investment tracking covers FIFO cost basis, gains, dividends, bonds, options, and money-weighted returns. Multiple currencies, historical rates, and report conversion are supported. Data stays in an autosaving SQLite-based .mfl file with local snapshots; there is no account or cloud service. Automatic bank downloads are not in the current release. Linux 1.0.0 packages include Debian/Ubuntu, AppImage, and tarball options.
Who it suits
It suits people managing multiple accounts, currencies, property, loans, or investment portfolios who want local data. It is also suitable for users on Linux, macOS, or Windows.
What it does well
- Free under GPL-3.0
- Tracks broad account types and investments
- Imports OFX, QFX, QIF, and CSV
- Stores data locally without an account
- Supports multi-currency reports
What to know first
- Automatic bank downloads are not currently available
- macOS and Windows lack signed installers
- No free trial is offered
Plans
| Plan | Billed and limits | Price |
|---|---|---|
| Free and open source (GPL-3.0) | No trial clock, feature gate, upsell, or paid tier · 64-bit Linux release · bank downloads not yet available | Free |
As garelochsoft.com lists them, read 12 Oct 2026. The maker's own page has the final word.
Verdict
My Financial Life provides wide personal-finance and portfolio tracking while keeping files on the user’s computer. Bank-download limitations and unsigned installers on macOS and Windows may affect setup choices.
Facts from My Financial Life's own pages
- Accounts
- It supports current, savings, credit, cash, investment, property, vehicle, and loan accounts, with transaction registers, splits, and matched transfers. · garelochsoft.com, 12 Oct 2026
- Account sync
- manual · garelochsoft.com, 22 Sept 2026
- Bank connections
- Automatic bank downloads are in progress, with pluggable providers and Enable Banking planned first; they are not in the current release. · garelochsoft.com, 12 Oct 2026
- Bill tracking
- Yes · garelochsoft.com, 22 Sept 2026
- Budgeting
- Budgeting includes an annual plan-versus-actual view, monthly burn-down, rollover, and savings or debt-paydown goals. · garelochsoft.com, 12 Oct 2026
- Budgeting tools
- Yes · garelochsoft.com, 22 Sept 2026
- Currencies
- It supports accounts in different currencies, historical exchange rates, and converting reports to another currency. · garelochsoft.com, 12 Oct 2026
- Free plan
- Yes · garelochsoft.com, 22 Sept 2026
- Headquarters
- West coast of Scotland · garelochsoft.com, 28 Sept 2026
- Imports
- It imports OFX, QFX, QIF, and CSV files and includes a column-mapping wizard, remembered categories, and a rules engine. · garelochsoft.com, 12 Oct 2026
- Integrations
- The maker names optional exchange-rate services and Tiingo for investment prices; both are configured with the user's own API keys. · garelochsoft.com, 12 Oct 2026
- 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. · garelochsoft.com, 12 Oct 2026
- 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. · garelochsoft.com, 12 Oct 2026
- Linux packages
- The 1.0.0 release offers a Debian/Ubuntu package, a portable AppImage, and a tarball for 64-bit Linux. · garelochsoft.com, 12 Oct 2026
- Net-worth tracking
- Yes · garelochsoft.com, 22 Sept 2026
- 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. · garelochsoft.com, 12 Oct 2026
- 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. · garelochsoft.com, 12 Oct 2026
- Purpose
- My Financial Life is a personal finance app for tracking accounts, budgets, investments, and net worth on your own device. · garelochsoft.com, 12 Oct 2026
- Storage
- Financial data is kept in an autosaving .mfl file using plain SQLite, with rotating snapshots on the user's own computer. · garelochsoft.com, 12 Oct 2026
- Support
- Users can report bugs or request features through GitHub issues or email Garelochsoft; the maker says a real person reads every message. · garelochsoft.com, 12 Oct 2026
Where My Financial Life stands on Freedom251
- Personal Finance Software#86 of 181