Covely is a desktop‑first personal finance OS that runs 100% offline on your Mac or Windows machine. Your data lives locally in a private SQLite database, protected by biometric security and encrypted backups—no accounts, no cloud, no forced subscriptions. The Free version is very capable and designed to last forever. Covely PRO unlocks deeper insights and unlimited automation—all under a one‑time perpetual license. Covely is built for people who value privacy and control.