Money by ZawebaYour household accounts, kept at home.
Know where your money goes, without handing over your bank login. Accounts, statement import, budgets, bills and clear reports for households and sole traders, kept in one file on your PC.
This version isn't signed for Windows yet: if SmartScreen warns you, choose More info › Run anyway. Why?
The Mac app isn't notarised by Apple yet: the first time, open it, then go to System Settings › Privacy & Security and choose Open Anyway. On Linux, make the AppImage executable (right-click › Properties, or chmod +x) and run it, or install the .deb.
Money keeps your current accounts, savings, credit cards, loans and cash in one place. Download statements from your bank as CSV, OFX or QIF files and import them: Money spots transactions you already have, files spending into categories and keeps every balance right. Budgets, bills and reports show where it all goes.
There are no bank logins and nothing goes to the cloud: your money file is a single file on your PC, saved as you go, backed up when you close it, and locked with a password if you want. Everything follows UK conventions, from pounds to dd/mm/yyyy dates.
Who it's for
- Households who want to see where the money goes each month
- Sole traders keeping business and personal money apart
- Anyone who wants their finances in a desktop app, not online
- Anyone who won't give a finance app their bank login
Good to know
- Data comes only from statement files you download from your bank; Money never connects to it
- Investments are valued by hand; other currencies are shown with their symbol, not converted
- Reports print from the exported PDF
- Installs for your user only, with no admin rights needed
Private by design
- Works offline, with no account and no adverts.
- Checks zaweba.com once a day for a newer version, sending only the app's name.
- Problem reports and feedback are sent only if you click Send.
Everything you need, nothing you don't.
Import any bank statement
CSV with a column wizard that knows the main UK banks and remembers each layout, plus OFX, QFX and QIF files.
Duplicates caught for you
Overlapping statements are matched row by row, so each real transaction appears once. You review them before anything is added.
Categories that learn
Recategorise one TESCO payment and choose Always: past and future TESCO rows follow. 92 UK payee rules are there from the start.
Bills and budgets
Monthly budgets per category with spent-versus-budget bars, recurring bills and deposits, and a panel of bills due in the next 30 days.
Reports you can export
Spending by category, income against spending, net worth over time and payee totals, exported to CSV or a multi-page A4 PDF.
Optional password
Lock a money file with AES-256 encryption. Money is plain about it: a lost password means lost data.
Statements in, sorted out
Download a statement from your bank's website and drop it in. The wizard finds the header row, reads the dates and amounts, and remembers the layout next time. Matching rows you already have are set aside for review, and payee rules put the rest into the right categories.
- Nationwide, Barclays, Monzo, Starling, Lloyds, Halifax, Santander and HSBC layouts recognised
- OFX and QFX 1.x and 2.x, and QIF with splits and transfers
- Imported rows are marked cleared, ready to reconcile
See the whole picture
The Home dashboard greets you with account balances, net worth, bills due, this month's budget and where the money went. Reports cover any date range, with a chart and a table under each, and a reconcile wizard ticks off a statement until the difference is zero.
- Spending by category as a pie or bar chart
- Net worth over time, checked against account balances
- Export to CSV for spreadsheets or to PDF for printing
The details
| Works on | Windows 10 and 11 (64-bit), macOS 12 or later (Apple silicon and Intel), Linux (64-bit, x86 and ARM) |
|---|---|
| Imports | CSV, OFX, QFX, QIF |
| Exports | CSV, PDF (A4) |
| Files | .ozm money files, one per household or business, optionally encrypted |
| Conventions | UK: pounds, dd/mm/yyyy dates |
| Version | Version 1.0.6 |
| Download | ZawebaMoney-1.0.6.zip (67 MB): unzip and run, no installer |
| Licence | Free for everyone, with every feature included. No warranty |
Money FAQ
Does Money connect to my bank?
No. You download statements from your bank's website as CSV, OFX, QFX or QIF and import them. Money never asks for a bank login.
What happens if I import the same transactions twice?
Money matches them against what you already have, by the bank's own id where there is one, otherwise by amount, date and payee, and shows you the duplicates before adding anything.
Where is the Save button?
There isn't one. Every change is saved straight away, and a backup copy is made when you close the file, keeping the last 10.
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Try Money today.
Download Money by Zaweba: no account, no adverts, every feature included.