For planners, not trackers.
A Mac app that ties together your whole financial picture — income, expenses, investments, and debts, all part of one cashflow — so you can actually know where you stand.
$24.99 · Mac App Store · macOS 26+
A Mac app that ties together your whole financial picture — income, expenses, investments, and debts, all part of one cashflow — so you can actually know where you stand.
Here's where Moneyspan is different.
Describe your income, expenses, accounts, investments, and debts — once. About once a week, type in your latest account balances. Everything else — scheduled income, recurring expenses, investment prices — updates on its own.
No spreadsheet formulas. No transaction categorization. No daily ritual.
Not sure where to start? A sample document ships with the app — open it to see what a real file looks like before building your own.
Income arrives, expenses leave, investments and debts move with everything, taxes take their share. What's left tells you how much room you have to save, invest, or spend intentionally.
Set a minimum and a target. Green above, red below. Toggle between gross and after-tax. The number updates the moment anything in the picture changes.
Every new subscription, every upgraded plan, every "it's only $30/month" — they add up quietly. The buffer shows you when they have.
What if you cut that $200/month subscription bundle? What if you took a lower-paying job with no commute? What if you bought a rental property? What if your dividends paid $1,000 a month? Create a scenario, overlay the changes on your real data, and instantly see the impact — without touching your actual numbers.
Your income buffer drops from 22% to 14%. Your rolling 12-month projection dips below your comfort zone in August. Now you know — before you've committed to anything. Adjust the numbers, try a different approach, or just delete the scenario entirely.
Earmark money for upcoming expenses with allocated buckets — a new laptop, next year's property taxes — and they're held aside in Moneyspan's view, so your buffer reflects reality.
Expected buckets do the opposite: windfalls you know are coming, like a tax refund or bonus, included in projections without being mistaken for money you already have.
Pick the widgets that fit your setup — summary numbers, charts, progress rings, quick-entry tools, even a sticky note.
Customize them, build more than one dashboard for different purposes, and pin what you check most to the sidebar.
Stocks, ETFs, mutual funds, and crypto — with contributions flowing in, and dividends and withdrawals flowing back out.
US tax estimation is built in; non-US users can build a custom tax profile for their country's rules.
Moneyspan stores everything in a local .moneyspan
file on your Mac. No sign-up, no subscription server, no third-party data sharing.
Your financial data stays where you put it.
For backup and multi-Mac sync, save the file to iCloud Drive — still no servers of ours involved.
No subscription.