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MacMoney brings your accounts, bills, budgets, and reports into one clear dashboard — plus Financial Checkup, a built-in advisor experience designed by a Licensed Financial Advisor, so you get real answers instead of just more data.
macOS 26.5+ · Works offline · No forced cloud account
Answer a five-step questionnaire and get a complete, personalized picture of your finances — with direct, written advice about the decision you're actually facing. It's designed by a Licensed Financial Advisor, and it's the one thing other personal finance software doesn't offer.
Five quick steps cover you and your household, your income, your monthly spending, what you own, and what you owe. Or skip the typing entirely with "Use My MacMoney Input" — it fills the questionnaire straight from your real data.
Assets, investments, savings, consumer debt, and mortgage, totaled the way an advisor would present it.
A pie-chart view of where each month's take-home goes across Fixed Costs, Investments, Savings, and Fun Money, with healthy-range guidance for each.
All seventeen expense lines, from rent and groceries to childcare, pets, and family support, with the share of take-home each one consumes.
An interactive calculator with sliders for retirement age, monthly investing, and expected return, plus a one-click preset for the contribution that gets you fully funded.
A written assessment generated from your actual numbers — a straight answer to your question, what the numbers say, and a prioritized action plan with real dollar amounts.
Tell the checkup what you're trying to decide, and the assessment addresses it directly. Add a partner, children, or family you support, and the advice adjusts — from your emergency-fund target to whether a second income makes sense.
A full picture of where your finances stand today, no specific decision required.
Your nest egg at multiple ages, and the exact monthly amount that closes any gap.
How many months of runway your savings buy, and whether quitting is survivable.
Pay-cash verdicts, save-per-month plans, and down-payment math for home-sized amounts.
Whether your interest rate beats the market, and the payoff timeline each extra dollar buys.
When your checkup shows people depending on you, a "Protect What You've Built" card calculates your life insurance coverage target using debt and income management principles, then credits the investments you already hold and compares the result to the policies on file in Protection & Estate. If there's a gap, one click requests a coverage review from Lonestar Business Advisors & Insurance, with your numbers already in hand.
Track bank accounts, credit cards, loans, cash, and investments in one place, with categories built for how you actually budget. Set a budget so you don't overspend where it counts, forecast your balance to head off overdrafts, and reconcile against your statement to catch errors early. When tax time or a big decision comes around, the reports are already built.
Accounts, a budget, and a calendar that actually talk to each other, plus a quiet path to real advice when you want it.
A 5-step questionnaire designed by a Licensed Financial Advisor turns your real numbers into a written, personalized assessment — the one thing other budgeting apps don't offer.
One dashboard for net worth, account balances, and what's changed since last month — no spreadsheet required.
Checking, savings, credit cards, cash, and investments — unlimited accounts, reconciled against your statement.
Spending by category, income vs. expenses, and net worth over time, filtered and exported in a few clicks.
A real calendar with recurring reminders, so nothing is due before you knew it was coming.
Set it once, track it in real time, and see exactly where this month went sideways — if it did.
Net worth, assets, liabilities, and every account balance, updated the moment you record a transaction — nothing to refresh or recalculate.
A category-by-category view of where this month's money actually went, next to a budget that tracks itself as you spend — not just at month's end.
MacMoney quietly flags the moments worth a second opinion — like missing insurance coverage or an incomplete estate plan — right on your dashboard, with a direct line to a licensed Lonestar advisor.
The fundamentals, done properly, plus a direct line to a licensed advisor for professional assistance.
Categories, account types, colors, and column order — set up MacMoney the way you actually think about money, not the way a template assumes you do.
No forced account, no mandatory cloud sync. Keep everything local, or turn on sync when you're ready — the choice is always yours.
Desktop, laptop, the one in the home office — install MacMoney everywhere with a single personal license.
Support comes out of the same Carrollton, TX office as Lonestar Business Advisors — a real area code, a real person, no offshore ticket queue.
A 20-minute review of life, disability, and umbrella coverage against where your finances actually stand today.
Make sure your will, beneficiaries, and accounts in MacMoney actually agree with each other.
If your accounts include a business you own, find out what it's worth, and what would change that number.
No credit card required to start the trial. Same full app either way — the only choice is how you pay for it after.
Starts with a 7-day free trial
Starts with a 7-day free trial — save over 30% vs. monthly
Start your free trial of MacMoney, and bring in a Lonestar advisor only when your numbers raise a question worth asking.
