Big Picture Money is a $35 perpetual license. Connected Services is an optional $79/year add-on for hosted features (coming soon).
$35 one-time
Perpetual personal finance software — buy once, own forever. Your data stays on your computer.
$79/yr optional add-on
Optional hosted add-on for people who already own Big Picture Money — not a second software license.
Big Picture Money is a perpetual software license — no subscription required to keep using what you bought. Connected Services is an optional yearly subscription for hosted features. All purchases — including Connected Services and future add-ons — include a 60-day money-back guarantee.
Public purchase is not open yet. Join the beta waitlist for early access, or the launch mailing list to hear when general availability begins.
Big Picture Money is the software license. Connected Services is a separate hosted add-on — it does not include or replace a software license. Cancel anytime and the desktop app keeps working.
| Feature | Big Picture Money | Connected Services |
|---|---|---|
| License & ownership | ||
| Perpetual desktop license | Included | Requires license |
| Local encrypted database | Included | Included with license |
| Full export & self-managed backups | Included | Included with license |
| Works offline after activation | Included | Included with license |
| 60-day money-back guarantee | Included | Included |
| Core finance | ||
| Accounts, transactions, splits & transfers | Included | Included with license |
| CSV, QFX & OFX imports | Included | Included with license |
| Categories, tags, rules & merchant recognition | Included | Included with license |
| Budgets, goals & reports | Included | Included with license |
| Bank sync | ||
| SimpleFIN bank sync | Your SimpleFIN subscription | Included with license |
| Plaid bank syncComing soon | — | Coming soon |
| Integration health monitoringComing soon | — | Coming soon |
| AI | ||
| Bring-your-own AI API key or local Ollama | Included | Included with license |
| Managed AI providerComing soon | — | Coming soon |
| Sync & backup | ||
| Multi-device database syncComing soon | — | Coming soon |
| Encrypted cloud backupComing soon | — | Coming soon |
| Coming soon | ||
| Mobile companionComing soon | — | Coming soon |
| Household (shared ledger & partner access)Coming soon | Separate add-on | Separate add-on |
Upgrading to the next year's edition is only $25. Your license never expires — stay on the edition you bought forever, and upgrade when you want features from a newer release year.
Each license supports up to 5 active devices. Manage activations on the website My Devices page. See manage your devices in the documentation.
When Connected Services ships, a mobile companion app will be available with an active subscription for reviewing recent transactions, categorizing on the go, adding cash transactions, capturing receipts, checking budget status, and more. The mobile app does not replace the desktop app.
Planned product add-ons beyond Connected Services. Pricing will be announced closer to availability. Each includes the same 60-day money-back guarantee.
Shared household ledger, partner access, approval workflows, shared budgets, and permissions for families managing money together.
Multiple entities, invoicing-lite, Schedule C reports, rental property tracking, accountant export, and receipt workflow for side gigs and very small businesses.
Connected Services features (when available) are supported for the current yearly edition and the immediately previous edition. Your perpetual license and local data keep working regardless. See the software support policy.
See the FAQ for licensing, sync, and privacy questions, or read our full privacy approach.