Budget Today.
Forecast Tomorrow.
Collateral tracks your accounts, categorizes spending, and forecasts upcoming bills — all stored privately on your Mac.
No billing information required · macOS only
Powerful features, zero complexity
Collateral gives you complete visibility into your finances — no subscription, no cloud account required.
Plan your finances
Schedule upcoming bills and expected income. Forecast your account balances up to a year ahead.
Privacy first
Your financial data stays on your computer. Nothing is sent to any server — ever. It's stored in your local user folder.
Balance at a glance
Add multiple accounts, transfer between them, and track your true net worth across checking, savings, and credit.
Categorize spending
Assign categories and tags to each transaction. Know exactly where your money is going every month.
Spending reports
See your income and spending charted over the past year. Identify trends and make smarter decisions.
Import existing accounts
Download your bank transactions and import them directly using the OFX / QFX Open Financial Exchange format.
Prepare for upcoming expenses
Add recurring bills and expected paychecks to see a clear financial outlook weeks or months into the future.
- ✓ Schedule bills with any recurrence frequency
- ✓ Add paychecks, side income, or one-time deposits
- ✓ See projected balances up to 12 months ahead
- ✓ Never be caught off guard by a payment again
Understand your habits over time
Assign categories to transactions and run reports to analyze how and where you spend month over month.
- ✓ Custom categories with color coding
- ✓ Monthly breakdown charts
- ✓ Tag transactions for fine-grained filtering
- ✓ Income vs. expense comparison views
Simple, honest pricing
One purchase. No subscription. No recurring fees.
- ✓ Full access for 14 days
- ✓ All features included
- ✓ No billing info needed
- ✓ macOS only
- ✓ Lifetime license
- ✓ All future updates included
- ✓ Local, private data storage
- ✓ macOS only
14-Day Trial
Try Collateral free for 14 days.
Buy Now
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