About Big Picture Money
Modern personal finance software for people who want privacy, ownership, and control.
The problem
Personal finance data is deeply private. Your spending habits and your net worth and goals should be information available only to you and your family. However, years ago, big corporations realized this data is also very valuable. It can be scraped and sold, you can be profiled and quantified, and advertisers will pay big money for access to this data. This is why, over the years, personal finance software has migrated to the web and has become free.
You are no longer purchasing a product — you are the product.
All large personal finance software vendors have turned your spending habits into a data grab where you become the focus of targeted ad campaigns, you are added to databases in ways you cannot be aware of, for future uses you have no control over.
Your financial software should help you understand your money, not turn your financial life into someone else's business model.
What we build
Big Picture Money is local-first, privacy-focused, AI-enabled desktop personal financial management software. It helps you manage transactions, categorize spending, build budgets, track net worth, generate reports, sync with financial institutions, and understand the larger financial picture of your household, with your data staying on your computer by default. You maintain control of your own data at all times. Optional connections (SimpleFIN, cloud AI providers you configure, or Connected Services when available) only send what those features require — and you choose whether to enable them.
It is designed for people who want modern financial software without handing their entire financial life to an advertising company, data broker, or cloud-only service.
Core principles
- Your financial data belongs to you.
- The desktop app works without a cloud account.
- Privacy is the default, not an upgrade.
- Cloud services are optional and clearly explained.
- AI is useful, optional, and transparent.
- Export is always available.
What Big Picture Money is not
- Not investment advice. We help you track and understand your money — not tell you what to buy or sell.
- Not tax advice. AI and reports do not replace a qualified tax professional.
- Not a full business ERP. The planned lite business add-on will cover side gigs and very small operations — not payroll and employee benefits.
- Not a mobile-only app. The desktop app is the primary experience. A mobile companion will supplement it when Connected Services multi-device sync is available.
Contact
Questions about the product, purchases, or this website: [email protected].