# MeasuredMoney

> Privacy-First Personal Finance Desktop Application

## Overview

MeasuredMoney is a privacy-first personal finance desktop application built with Tauri (Rust) and React. Your financial data stays 100% local on your device with local-first architecture, full data ownership, no trackers, and no telemetry.

Unlike cloud-based finance apps, MeasuredMoney keeps all your financial data on your computer. No cloud servers, no data collection, complete privacy.

## Key Differentiators

**Privacy-First Architecture:**
- All financial data stored locally in SQLite database
- No cloud sync or remote servers
- No third-party access to your data
- No tracking or analytics

**Local-First Benefits:**
- Works offline without internet
- Fast desktop performance
- Your data stays on your device
- Complete data ownership

## Core Features

### Account Management
- Track multiple account types: bank, savings, investment, custom
- Set default accounts for income, expenses, savings, investments
- Color-coded accounts for visual separation
- Multi-currency account support

### Transaction Tracking
- Income, expense, and transfer transactions
- Manual entry and recurring transactions
- Natural language search: "groceries over $500 last month"
- Detailed notes and categorization
- Multi-currency support with automatic conversion

### Budget Setting
- Create budgets for any category
- Flexible periods: weekly, monthly, quarterly, yearly
- Real-time progress tracking
- Color-coded warnings (green/yellow/orange/red)
- Sub-category support

### Savings Goals
- Set specific targets with deadlines
- Visual progress tracking with color-coded bars
- Deposit and withdraw money from goals
- Auto-complete when target reached
- Custom icons and colors

### Recurring Bills
- Automate subscriptions and recurring payments
- Multiple frequencies: daily, weekly, monthly, quarterly, yearly
- Color-coded due date warnings
- Historical currency conversion for accuracy
- Batch processing capabilities

### CSV Import
- Step-by-step import wizard
- Column mapping for custom CSV formats
- Template system for reuse
- Rule-based auto-categorization
- Handles 1000+ transactions smoothly
- Import from bank exports or spreadsheets

### Analytics & Visualization
- 7 dedicated visualization tabs:
  1. Category Analysis (interactive pie charts)
  2. Money Flow (Sankey diagram)
  3. Daily Change (waterfall chart)
  4. Income vs Expense (area chart)
  5. Heatmap (calendar visualization)
  6. Weekend vs Weekday (bar comparison)
  7. Micro Spending (small transaction tracking)
- Click any chart element to see transactions
- Interactive drill-down capabilities

### Natural Language Search
- Type naturally: "food and transport under $200 this week"
- Fuzzy category matching (works with typos)
- Relative dates: "today", "yesterday", "last month"
- Date ranges: "from nov 2 to dec 20"
- Amount comparisons: "> 2000", "between 100 and 500"
- Transaction types: expense, income, transfer

### Multi-Currency Support
- 33 currencies supported: USD, EUR, GBP, JPY, INR, AUD, CAD, CNY, CHF, SEK, NOK, DKK, PLN, BRL, MXN, TRY, ZAR, RON, BGN, HKD, SGD, NZD, KRW, THB, MYR, IDR, ILS, ISK, HUF, PHP, CZK
- Automatic conversion to base currency
- Historical rates for accurate recurring bills
- Real-time conversion preview
- Multi-currency accounts

### Visual Themes
6 unique themes to personalize your experience:
1. **Modern Clean** (Default) - Sleek, minimal design
2. **Neo Brutalism** - Bold, unapologetic style
3. **Industrial** - Mechanical aesthetic (light only)
4. **Cyber Gold** - Dark void with cyber orange (dark only)
5. **Art Deco** - Opulent 1920s style (dark only)
6. **Academia** - Scholarly elegance (dark only)

### Interactive Guides
- Page-specific guided tours
- Step-by-step help system
- Learn at your own pace
- Available on every major feature
- CSV import assistance

## Pricing

MeasuredMoney is $49 for a one-time purchase.

**What to Expect:**
- $49 one-time purchase (no subscriptions)
- 3 devices per license
- 45-day free trial available (no credit card required)
- Priority support included

## Platforms

- Windows
- macOS

Mobile apps (iOS & Android) planned for future release.

## Technical Details

**Built With:**
- Rust/Tauri for secure desktop framework
- React for responsive interface
- SQLite for local data storage

**Data Storage:**
- Local SQLite database on your device
- No cloud storage
- Complete data ownership

**External Services:**
- **Frankfurter API**: Currency conversion rates (sends only currency codes, no personal data)
- **Polar**: One-time license activation (sends license hash and device ID only for initial activation)

**Privacy Protection:**
- No financial data ever leaves your device
- No tracking or analytics
- No data collection
- No third-party data sharing

## Getting Started

1. **Download** the application from https://measuredmoney.com/download
2. **Install** on your Windows or Mac computer
3. **Start** your 45-day free trial
4. **Add** your first account
5. **Import** existing data via CSV (optional)
6. **Choose** your favorite theme
7. **Start** taking control of your finances

## Privacy Policy Summary

- All financial data stays on your device
- No cloud storage or servers
- No data collection or tracking
- License validation sends only anonymous identifiers
- You control your data 100%

Full privacy policy: https://measuredmoney.com/privacy

## Support

- Email: support@measuredmoney.com
- Documentation: Available in-app via interactive guides

## Links

- Website: https://measuredmoney.com
- Download: https://measuredmoney.com/download
- Roadmap: https://measuredmoney.com/roadmap
- Privacy Policy: https://measuredmoney.com/privacy
- Terms of Service: https://measuredmoney.com/terms
- Refund Policy: https://measuredmoney.com/refund

## Roadmap Highlights

**Current Features (Available Now):**
- Transaction tracking, multi-currency, 7 analytics tabs
- Natural language search, CSV import wizard
- 6 visual themes, recurring bills, savings goals
- Budget management, interactive guides

**In Development:**
- Report generation with PNG and PDF export

**Planned:**
- Advanced analytics with custom date ranges, comparative views, and trend forecasting
- Encrypted backups for secure copies on your preferred cloud storage
- Smart categories powered by on-device auto-categorization
- Quick transaction add using natural language
- Tax calculation tools for year-end planning and record organization
- Bill reminders and due calendar
- Net worth timeline
- Investment and asset tracking
- iOS and Android apps
- Device-to-device sync without cloud servers

**Continuing Development:**
- UI improvements
- UX improvements
- Performance optimizations for large datasets
- Bug fixing and stability improvements

## Comparison: MeasuredMoney vs Cloud Finance Apps

| Feature | MeasuredMoney | Mint/YNAB/Monarch |
|---------|--------------|-------------------|
| Data Storage | Local device only | Cloud servers |
| Privacy | No data sharing | Data analyzed/shared |
| Business Model | One-time purchase | Monthly subscription |
| Offline Use | Full functionality | Requires internet |
| Data Storage | Local device only | Cloud servers |
| Data Ownership | 100% yours | Controlled by company |

## FAQ

**Q: Will you ever add cloud sync for financial data?**
A: No. Centralized cloud sync creates a single point of failure for privacy. Your data stays local.

**Q: How is this different from Mint, YNAB, or Monarch Money?**
A: Three key differences: Privacy (local vs cloud), Business Model (one-time vs subscription), Data Ownership (yours vs theirs).

**Q: Is my data really secure?**
A: Absolutely. Your data is in a local SQLite database on your computer. We have no access to it. No tracking, no analytics, no data collection.

**Q: Does MeasuredMoney work offline?**
A: Yes! All features work without internet after a one-time license activation. Only live currency conversion rates require connectivity (cached for 24 hours).

**Q: How many devices can I use?**
A: Each license supports multiple devices.

**Q: What platforms are supported?**
A: Windows, macOS, and Linux. Mobile apps coming later.

**Q: Can I import from Excel or bank CSV?**
A: Yes! Our CSV import wizard handles custom formats, includes templates, and auto-categorizes transactions.

**Q: What's included in the 45-day trial?**
A: Full access to all features. No credit card required. Local-first architecture with full data ownership.

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*MeasuredMoney - Your financial data is personal. Keep it that way.*

© 2026 MeasuredMoney | Privacy First, Always