Your month at a glance
Monthly entries, with category rules you can adjust, and all of them on one screen with filters, bulk actions and CSV export.
Free app for Mac and Windows
Household finances, organized, with your data only on your computer.
Alto Vale Pessoal organizes your money month by month, with goals, projections, net worth and couple finances. The Assistant turns messages, screenshots, voice notes and spreadsheets into entries you confirm. It is free, works without an account and AI is optional.
- Free, no subscription
- macOS 13+ and Windows 10/11
- Portuguese, English and Spanish
What Pessoal does for your money
Statements imported with a review
Bank statements in OFX and CSV and PDF card bills, reviewed before saving.
Goals, projections and net worth
A dashboard with past, comparison, future, investments, goals and evolution, plus a projection of the coming months with recurring bills.
An Assistant that gets you
“Spent 50 on groceries”, screenshots, voice notes and spreadsheets become entries you confirm before they are saved.
Couple, profiles and assets
Shared expenses split half and half or by income, one profile per person at home with an optional PIN, and assets with financing and installments.
Optional AI, your choice
Ollama on your computer, your Claude Code or Codex plan, or an API key. Without AI the app still works.
Everything Pessoal does
Every feature in the app, in menu order. Each card opens the step-by-step guide.
Start here
Dashboard
- DashboardThe month at a glance: how much you can still spend, recurring charges, balances to check, and tabs from past to net worth.
- Dashboard › PastWhat has already happened, month by month: income, expenses, leftover and savings rate.
- Dashboard › CompareMonths side by side, category by category, with a heat map and head-to-head.
- Dashboard › FutureProjection of open months, expenses to fit in and recurring entries.
- Dashboard › InvestmentExpected × actual: how much you planned to invest and how much you actually did, month by month.
- Dashboard › GoalsWhat is left and when you get there: goals with amount, deadline and how much to set aside per month.
- Dashboard › EvolutionNet worth and reserve over time: assets, debts and how many months of cost the reserve covers.
Day to day
- MonthLog the month's income and expenses, check everything and close the month so it becomes history.
- EntriesEvery entry from every month: search, filter, fix categories in bulk and export.
- Import statementBring in bank entries (CSV, OFX or PDF card bill) and review before saving.
- ReportsHow much went to each category, month by month, with period charts and CSV export.
- AnalysisAn overview of your finances, with local-engine findings and, if you have AI, a chat about the numbers.
Couple, assets and assistant
- CoupleDefine how you split bills and see who owes what, month by month.
- SplitsExpenses split with someone: how much each person owes and settlement records.
- AssetsProperties, vehicles and financing: net worth, installments and what is left to pay.
- AssistantType, paste a screenshot or record audio: the Assistant understands and proposes entries for you to confirm.
AI, settings and help
- AIChoose which AIs the app uses and in what order, and follow usage and cost.
- Profiles and PINEach household member with their own data, and an optional PIN to open the profile.
- Categories and rulesCreate categories and teach the words that lead each description to the right category.
- SettingsLanguage, theme, categories, AI, data and backup, about and update.
- Updating the appHow the app looks for, downloads and installs new versions without losing your data.
- TroubleshootingWhat to do when the app won't open, AI doesn't answer, a statement won't import or the PIN fails.
Each feature has a step-by-step guide, the same one found in the app's Help.
App screens
Screenshots of the app with sample data.
Ready in four steps
Install
Click Get it free in the store: the download is released right away in My account. There are installers for Mac (Apple Silicon and Intel) and Windows.
Pick the language
On the Welcome screen, choose Portuguese, English or Spanish.
Turn on an AI, if you want
Ollama, Claude Code, Codex or an API key. You can skip it and set it up later.
Start with your data
Log the month by hand, tell the Assistant, import your statement or explore with sample data.
Your data stays on your computer
- The database stays on your computer. Your data only leaves if you turn on an online AI, and goes straight to it, without passing through an Alto Vale server.
- With Ollama, nothing leaves your computer.
- API keys are stored encrypted on your computer, outside the database.
- The altovaleia.com account is optional and never receives your financial data: it is only used to get updates.
Requirements
- Mac with macOS 13 (Ventura) or newer, Apple Silicon or Intel
- or PC with Windows 10/11, x64
- Optional AI: Ollama (local, free), Claude Code or Codex with your plan, or an Anthropic, OpenAI or Google API key
Without AI, the Assistant understands simple sentences and reads screenshots; reading spreadsheets and answering questions needs an AI. The app is not digitally signed yet: on Mac, allow it in System Settings › Privacy & Security › Open Anyway; on Windows, click More info › Run anyway.
Frequently asked questions
Yes. Click Get it free: access is released right away, with no payment or approval.
The database stays on your computer. Your data only leaves if you turn on an online AI (Claude Code, Codex or an API key), and it goes straight to that AI, without passing through an Alto Vale server. With Ollama, nothing leaves your computer. The altovaleia.com account never receives your financial data: it is only used to get updates.
No. Without AI you enter data by hand, import statements, and the Assistant understands simple sentences and reads screenshots. To read spreadsheets, answer questions and chat in Analysis, turn on an AI. Ollama is free and runs on your computer.
Not to use the app. The account is only for automatic updates. Without one, to update, download the new version from the site and install it over the old one.
In the app, go to Settings › Update and click Sign in with your account. From then on it downloads new versions by itself and only asks when to install: now or when you quit.
In Settings › Data, click Export everything and keep the file. On the new computer, install the app and use Import backup. It also works from Mac to Windows and the other way around.
The app does not have a digital signature from Apple or Microsoft yet, so the system warns you the first time you open it. On macOS: System Settings › Privacy & Security › Open Anyway. On Windows: More info › Run anyway.
Organize your money with no subscription
Pessoal is free: click Get it free in the store and the download is released right away in My account.