Treeline

Free plan LinuxMacWindows

What Treeline is

Treeline is an open-source personal finance app for Linux, macOS, and Windows. It keeps financial data in a local DuckDB file and says it does not see that data. The free desktop app provides plugins, CSV import, SQL access, and agent integrations without an account or subscription. Transaction tools support tagging, automatic categorization rules, splitting, duplicate hiding, and search. Plugins can add budgeting, emergency-fund estimates, savings goals, recurring-charge detection, cash-flow planning, and net-worth tracking. CSV import works with any bank. Automatic syncing is available through SimpleFIN, supporting most US and Canadian banks, or Lunch Flow, covering thousands across several regions. Optional encryption protects the database file at rest when enabled. A local MCP server and CLI integrations connect compatible AI clients. Treeline is in beta, and remote syncing or AI access uses a user-hosted hub.

Who it suits

Treeline suits people who want local control of financial data and the ability to query it with SQL or compatible tools. It is aimed at users comfortable experimenting with plugins, command-line tools, or custom financial questions.

What it does well

Free desktop app requires no account or subscription
Stores data locally in a DuckDB file
CSV import works with any bank
Supports SQL, CLI, notebooks, and Python access
Plugins add budgeting and net-worth tracking

What to know first

Automatic bank sync costs through third parties
Remote access features are still in beta
Connecting banks requires desktop app or CLI
Database encryption is optional

Plans

Plan	Billed and limits	Price
Treeline	No account or subscription · Desktop app · plugins · CSV import · SQL access · agent integration	Free
SimpleFIN bank sync (third party)	~$1.50/month, paid directly to SimpleFIN · US & Canada · automatic bank sync	$1.50 a month
Lunch Flow bank sync (third party)	~$3/month, paid directly to Lunch Flow · Global · automatic bank sync	$3 a month

As treeline.money lists them, read 12 Oct 2026. The maker's own page has the final word.

Verdict

Treeline offers a local, extensible finance workspace with broad transaction tools and multiple query options. Its beta status and third-party sync costs matter for users seeking a finished, fully integrated service.

Facts from Treeline's own pages

Account sync: both · treeline.money, 22 Sept 2026
AI integrations: Treeline offers a local MCP server and CLI integrations for Claude Desktop, Claude Code, Gemini CLI, OpenClaw, and other compatible MCP clients. · treeline.money, 12 Oct 2026
Bank sync: Automatic bank sync is available through SimpleFIN and Lunch Flow, while CSV import works with any bank. · treeline.money, 12 Oct 2026
Bank sync limits: SimpleFIN supports most US and Canadian banks; Lunch Flow supports thousands of banks across the US, Canada, EU, UK, Brazil, and Asia. · treeline.money, 12 Oct 2026
Budgeting tools: Yes · treeline.money, 22 Sept 2026
Encryption: Database encryption is optional, and the documentation says the database file is encrypted at rest when encryption is enabled. · docs.treeline.money, 12 Oct 2026
Free plan: Yes · treeline.money, 22 Sept 2026
Local data: Treeline stores financial data in a DuckDB file on the user's computer and says it does not see the data. · treeline.money, 12 Oct 2026
Maker: The site credits Zack Schrag as the maker of Treeline. · treeline.money, 12 Oct 2026
Net-worth tracking: Yes · treeline.money, 22 Sept 2026
Notable limitation: Claude Desktop can query and analyze data, but connecting a bank and importing transactions require the desktop app or CLI. · treeline.money, 12 Oct 2026
Optional remote access: Syncing between devices and remote AI access are in beta and run through a hub the user hosts; server costs depend on the user's hosting. · treeline.money, 12 Oct 2026
Plugins: Plugins add capabilities such as budgeting, emergency-fund estimates, savings goals, recurring-charge detection, cash-flow planning, and net-worth tracking. · treeline.money, 12 Oct 2026
Product: Treeline is an open-source personal finance app built around a local DuckDB database. · treeline.money, 12 Oct 2026
SQL access: The local database can be queried through the built-in SQL interface, CLI, notebooks, Python, or other DuckDB-compatible tools. · docs.treeline.money, 12 Oct 2026
Support: Treeline is in beta, and its download page directs users to Discord for help, updates, and feedback. · treeline.money, 12 Oct 2026
Transaction management: Users can tag transactions, create automatic categorization rules, split transactions, hide duplicates, and search across transactions. · treeline.money, 12 Oct 2026
Who it is for: The maker describes Treeline as a foundation for people who want to tinker with and ask custom questions of their financial data. · docs.treeline.money, 12 Oct 2026

Where Treeline stands on Freedom251

Personal Finance Software#84 of 181
Budgeting And Expense Tracking#21 of 29