No. 73of 181 ·Personal Finance Software

Treeline

Windows · Mac · Linux· paid plans from $1.50/mo

Freedom report

Two barsScore 6.6

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

Treeline is ranked #73 of 181 in personal finance software on Freedom251. It runs on Linux, macOS, Windows. There is a free plan. Paid plans start at $1.50/mo.

Treeline plans and pricing

All plans

Treeline Free No account or subscription Desktop app · plugins · CSV import · SQL access · agent integration treeline.money · 12 Oct 2026

SimpleFIN bank sync (third party) $1.50/mo ~$1.50/month, paid directly to SimpleFIN US & Canada · automatic bank sync treeline.money · 12 Oct 2026

Lunch Flow bank sync (third party) $3/mo ~$3/month, paid directly to Lunch Flow Global · automatic bank sync treeline.money · 12 Oct 2026

Compared on personal finance software

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

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The record

Product: Treeline is an open-source personal finance app built around a local DuckDB database.
Transaction management: Users can tag transactions, create automatic categorization rules, split transactions, hide duplicates, and search across transactions.
Plugins: Plugins add capabilities such as budgeting, emergency-fund estimates, savings goals, recurring-charge detection, cash-flow planning, and net-worth tracking.
Bank sync: Automatic bank sync is available through SimpleFIN and Lunch Flow, while CSV import works with any bank.
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.
Local data: Treeline stores financial data in a DuckDB file on the user's computer and says it does not see the data.
Encryption: Database encryption is optional, and the documentation says the database file is encrypted at rest when encryption is enabled.
AI integrations: Treeline offers a local MCP server and CLI integrations for Claude Desktop, Claude Code, Gemini CLI, OpenClaw, and other compatible MCP clients.
SQL access: The local database can be queried through the built-in SQL interface, CLI, notebooks, Python, or other DuckDB-compatible tools.
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.
Support: Treeline is in beta, and its download page directs users to Discord for help, updates, and feedback.
Notable limitation: Claude Desktop can query and analyze data, but connecting a bank and importing transactions require the desktop app or CLI.
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.
Maker: The site credits Zack Schrag as the maker of Treeline.
Price from: $1.50/mo

Where it ranks on Freedom251

Best Personal Finance Software in 2026#73 of 181

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Sources

treeline.money· checked 12 Oct 2026
treeline.money/plugins· checked 12 Oct 2026
treeline.money/integrations· checked 12 Oct 2026
docs.treeline.money/reference/data-location/· checked 12 Oct 2026
treeline.money/agents· checked 12 Oct 2026
docs.treeline.money· checked 12 Oct 2026
treeline.money/download· checked 12 Oct 2026
treeline.money/pricing· checked 12 Oct 2026