Stave

Local-first finance for Mac. No bank logins.

Mac

Fintech

Personal Finance

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I'm a solo developer in India. Every bank transaction I've made for the past several years triggered an SMS. HDFC, ICICI and others — all of it, sitting in my Messages app. Statements arrive by email. That's a complete financial history, already on my devices. But every finance app I tried either wanted my bank login (Account Aggregator, Plaid-style), needed me to manually upload statements, or uploaded my history to their servers and pushed loan ads at me. I wanted something that just read what was already there — automatically, every time I open it — and kept it private. How it works SMS parsing: If your iPhone forwards transaction SMS to your Mac, Stave reads them from the local Messages database on-device. Works best where banks send transaction SMS (e.g. India). Email statements (optional): Connect Apple Mail and Stave parses your bank statement emails locally — used to reconcile against SMS and catch transactions your bank didn't text you about, plus credit card due dates and amounts. Categorisation runs on-device by default using Apple's built-in intelligence. There's an optional, off-by-default cloud-assisted mode for unfamiliar merchants that sends merchant names only — never amounts, accounts, or message text. Recurring detection: finds your subscriptions and repeating charges from transaction patterns, so forgotten ones surface. Natural-language search, running on-device: "how much did I spend on food last month", "show me everything at Swiggy in 2025". No account, no signup, no bank connection.