True NorthA budgeting app built to plan forward.
True North Budgeting is a personal budgeting app that helps you plan your money before you spend it. See where your finances are heading without linking your bank accounts or tracking every transaction.
Your budget stays on your device.
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Budget for where you're going, not where you've been.
Most budgeting apps start with your transaction history. They connect to your accounts, import purchases, and categorize your spending to show you where your money went.
True North starts with your future.
Plan your expected income, expenses, savings and goals ahead of time, then see how those decisions affect the months ahead. We call this Transactionless Budgeting: building your budget around the financial decisions you intend to make, rather than a history of transactions you've already made.
Learn how Transactionless Budgeting works →
See the road ahead.
Your finances don't reset at the end of the month. True North gives you a forward-looking view of your budget so you can see how the decisions you make today affect the months ahead.
Plan expected income, recurring expenses, savings and goals across a 12-month forecast, making it easier to spot tight months, prepare for larger expenses and understand what you can realistically afford.
See how True North helps you plan ahead →Built around when you actually get paid.
Not everyone gets paid on the first of the month, and your budget shouldn't pretend you do.
True North lets you build your plan around your actual pay schedule, helping you understand what each paycheck needs to cover and how your income carries you through the expenses ahead.
Whether you're paid weekly, biweekly, twice a month or monthly, you can see how your money fits into the bigger picture.
Budgeting without the baggage.
The way True North works means you don't need many of the things that have become standard in modern budgeting apps.
Works Offline
Your budget is stored locally and works without relying on a cloud service.
No Bank Linking
You don't need to give True North access to your bank accounts or financial institutions.
No Transaction Tracking
Build your plan around what you expect to happen instead of importing and categorising every purchase.
No Subscription
True North is sold as a one-time purchase rather than an ongoing monthly or annual subscription.
A simpler way to build your budget.
You don't need to import months of transactions to understand your finances. Start with what you know, build the plan ahead, and adjust it as life changes.
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Add what's coming in
Set up your income and pay schedule so True North knows when money will be available.
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Plan what's going out
Add recurring expenses, upcoming costs, savings and goals. Decide where your money needs to go before you spend it.
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See what's ahead
True North brings everything together into a forward-looking budget, giving you a clear view of the months ahead and helping you adjust your plan when things change.
Your data is yours. Period.
True North is built around local control of your financial data. Your budget is stored on your device, and you don't need to connect your bank accounts or send your financial data to us to use it.
Stored Locally
Your budget lives on your device and remains under your control.
No Financial Data Collection
True North does not collect, track, profile, or monetise the financial data in your budget.
No Bank Connection Required
You don't need to give True North access to your bank or financial accounts.
See Transactionless Budgeting in action.
See how True North Budgeting helps you plan your income, expenses, savings and goals before spending happens, then brings everything together into a clear view of the months ahead.
Ready to plan your financial future?
Starting at $2999
One-time purchase. No recurring subscription fees.
Works on macOS, Windows, and Linux. Download after purchase.