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.

Wispr Flow: Dictation That Works Everywhere — Stop typing. Start speaking. 4x faster.

Stop typing. Start speaking. 4x faster.

Hi everyone, thanks for checking out Covely. I’m an Aussie dev and a long‑time Microsoft Money user. When MS Money sunset, I spent ages trying alternatives and couldn't find one that felt both powerful enough and respectful of my privacy. Everything was either too simple or locked into subscriptions and the cloud. So I built Covely Finance: a desktop‑first personal finance OS for Mac and Windows that runs 100% offline. Your data stays on‑device, with no accounts, no cloud, and no forced subscriptions. The Free version is a fully capable, unlimited wealth tracker; Covely PRO adds deeper insights, long‑term forecasting, and unlimited automation under a one‑time perpetual license. I’m not here to push anyone to try it, but genuinely curious: * How do you track your net‑worth / cash‑flow today? * Would you ever consider an offline‑first, self‑custodial alternative to spreadsheets or SaaS tools? * What’s something you wish your current finance tool would do? If you have any questions, feedback, or “this already exists” pointers, I’d really appreciate it. Thanks for reading!

Wispr Flow: Dictation That Works Everywhere — Stop typing. Start speaking. 4x faster.

Stop typing. Start speaking. 4x faster.

Covely Finance

A Offline, self‑custodial personal finance for Mac & Windows

A Offline, self‑custodial personal finance for Mac & Windows