Where is my budget data stored in spending.money?

Your entire household budget is stored locally on your machine inside a single .smoney SQLite database file with WAL journaling and balanced integer-cent double-entry journal lines.

How much does spending.money save compared to a $109/year subscription?

Over 5 years, a $109/year subscription costs $545.00, while spending.money's one-time perpetual desktop license is $64.00—saving $481.00.

Local-First Financial Sovereignty

Why Your Household Budget Belongs in a Local SQLite Ledger, Not a $109/yr Cloud Subscription

Own your financial history forever in a fast, open .smoney SQLite database—backed by an offline Ed25519 perpetual license key (SMONEY-v1-...) that never phones home.

5-Year Cost Comparison: $64 vs. $545

A $109/year cloud budgeting subscription costs $545.00 over 5 years and $1,090.00 over 10 years. spending.money is a single $64.00 one-time purchase (`6400` integer cents) after a 34-day free trial.

Open `.smoney` SQLite Double-Entry Schema

Query your own budget anytime with standard SQLite tools. Every transaction satisfies SUM(debits) == SUM(credits) in integer cents—zero floating-point rounding errors, zero cloud outages, and zero forced UI redesigns.

Start 34-Day Free Trial Buy Perpetual Desktop License ($64)

5-Year Cost Comparison: $64 vs. $545

Open .smoney SQLite Double-Entry Schema

Open `.smoney` SQLite Double-Entry Schema