Maali

Maali is a personal-finance desktop application with an AI analyst that runs locally on your computer.

Maali is a personal-finance desktop application that sorts bank charges, tracks spending, and provides an optional local AI analyst to answer questions about your money. You import bank data by dropping in CSV files or connecting through SimpleFIN. The application categorizes every charge, remembers your category changes for specific merchants, lists all recurring charges, and tracks net worth and retirement targets. The entire app, your numbers, and the AI analyst run locally on your Mac or Windows computer without requiring an account or internet connection. The AI analyst is an optional 5.0 GB download that requires about 6 GB of memory, and all dashboards and forecasts work even if you turn the AI off.

Maali at a glance

Best for: Finance, Founder
Runs on: macOS, Windows, Web
Pricing: Free for 30 days; $99 once with every update included.
Released: October 2026
Category: AI productivity tool
Website: maali.app

Key features

Sorts bank charges automatically
Analyzes finances with a local AI analyst
Tracks net worth over time
Plans retirement targets and paths
Lists all recurring charges in one place
Imports data from CSV files or SimpleFIN

Use it for

Track monthly spending and category breakdowns
Monitor recurring subscriptions and price increases
Import bank statements via CSV or SimpleFIN
Plan and compare retirement paths

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