True North Budgeting

Features Designed for Clarity

Every feature in True North Budgeting exists to help you understand your money. Nothing more, nothing less.

Private. Offline. Yours.

True North Budgeting is a desktop application that runs entirely on your computer. It does not connect to the internet, does not sync with your bank, and does not send your data anywhere. Every feature below works offline, and your financial information stays exactly where it belongs: with you.

This is not a compromise. It is the foundation everything else is built on. Privacy and offline functionality are not features we added. They are the reason we built this app.

What you get

Seven core features, each designed to give you clarity without complexity.

Dashboard

Your financial command center. See upcoming expenses grouped by pay period, a 12-month forecast, and what remains - all at a glance.

Income Tracking

Track all your income sources with take-home pay. Configure pay schedules, handle variable income with weighted estimates, and sync to your pay period.

Expense Management

Categorize expenses by Needs, Wants, Debt, and Investing to follow the 50/30/20 framework. Includes debt payoff calculations and subscription tracking.

Assets & Net Worth

Track what you own - home, car, investments, retirement, cash, and more. Link debts to see true equity and your net worth.

Financial Goals

Pay yourself first by treating savings as a non-negotiable expense. Set targets, schedule contributions, and track progress aligned to your pay period.

Budget Calendar

Color-coded events for income, expenses, and goals. Click any event to edit it directly - no need to navigate away.

Insights & Reports

Four tabs of financial intelligence: net worth and emergency fund, budget allocation, credit utilization, and debt payoff strategies.

Ready to see the full picture?

One-time purchase. No subscriptions. No bank connections required. Just clarity.

See Pricing How It Works