Aegis MoneyScope | Private, Local-First Spending Analysis

Core Features

Import Any Statement

Drop in PDF statements, OFX/QFX "Quicken" downloads or CSV exports. Columns, date formats and sign conventions are detected automatically, and overlapping statements never double-count.

Automatic Categories

About 2,700 built-in rules for U.S. chains and billers, your own learned corrections, and a local AI model for the rest. Low-confidence guesses are left for you rather than made up.

Transfers Handled

Card payments and moves to savings are matched across accounts and kept out of your spending, so a card purchase is never counted twice.

Analytics That Drill Down

Monthly trend with a rolling average, essentials vs. extras, category sparklines, a money-flow diagram and top merchants. Click any bar to see the transactions behind it.

Cash-Flow Patterns

Pay cadence and next expected deposit, the share of income recurring charges claim, the payday effect, your spending rhythm through the week and month, and a 30-day projection.

What-If Scenarios

Cut or remove any category and see what it's worth per month and per year, alongside your income. Save as many named scenarios as you like — they never touch your data.

Ask About Your Money

The AI Advisor sits beside every page. It doesn't answer from general knowledge — it looks up your actual transactions with built-in tools, and it runs entirely on your computer through Ollama.

Real Answers From Your Data

"How much did I spend on dining in March?" "What are my biggest recurring charges?" "When do I usually get paid, and will I have enough for rent next month?"

Charts You Can Trust

When a picture is clearer, the advisor draws a chart or table — checked against the data it actually retrieved, so it can't display invented numbers.

Picks Up Where You Left Off

Short summaries of past conversations are kept locally, so the advisor remembers what you were working on.

Spending in Context

Benchmarks

Compare your spending mix with U.S. households in a similar income bracket (BLS Consumer Expenditure Survey), measured as shares of spending so missing accounts don't distort it.

Versus Your Own History

Your latest month against your previous six-month average, with categories that moved by at least 25% and $25 flagged.

Recurring Charges

Subscriptions and bills detected from their monthly or annual rhythm, with the annualized cost of each. Annual charges can be amortized so one month doesn't look like a spike.

No AI required for the basics. OFX, QFX and CSV imports, rule-based categorization and every Analytics view work without Ollama. The local model adds unusual PDF layouts, AI categorization, the advisor and plain-English cash-flow explanations.

Why Aegis MoneyScope?

No Bank Logins

Unlike budgeting services, MoneyScope never asks for your bank credentials. You import the statements you download yourself.

Your Data Stays Home

Statements, transactions and analysis live in a local database. All AI runs on your machine. No cloud, no account, no telemetry.

Free During the Beta

Every feature, no charge and no license key. Back up or delete your data any time — it's one folder.

Get the Beta

Aegis MoneyScope is in Beta and free to use. On Linux you can install it in one command:

sudo snap install aegismoneyscope --candidate

Prefer a traditional package? A Debian/Ubuntu .deb is on the download page.

For the AI features, install Ollama and pull a model. The default needs about 16 GB of RAM; qwen2.5:7b runs in about 8 GB:

ollama pull qwen2.5:14b

Go to Download

Note on licensing: Aegis MoneyScope is free to download and use during the Beta, with every feature available. After the Beta, some features may require a one-time license purchase — pay once, never a subscription. The software is proprietary and licensed, not sold.