Accounts, budgets, cash flow, reports and goals — beautifully organized, and stored entirely on your device. Buy it once. Own it forever.
No bank logins. No account creation. No personal information — we don't even ask your name.
Check out securely with Stripe. Your license key arrives by email within seconds.
Visit app.imago.money, paste your key, and add it to your home screen or dock. Activation is fully offline — the app never phones home.
Every bank exports one. Imago remembers your bank's format, skips duplicates, and auto-categorizes as it learns your rules.
The clarity of a premium finance app — none of the cloud, none of the subscription.
Am I on track this month? The Net row tells you at a glance, and every category shows budget, actual and remaining side-by-side.
Chequing, savings, investments, cards and loans in one picture — each account its own band in a twelve-month net worth chart, so you can see what is actually growing.
Spending and income broken down by category and by merchant — every bar color-matched to its category, every number one click from its transactions.
Imago installs like a native app and works with no connection at all — because nothing it needs lives on a server.
Most finance apps promise not to misuse your data. Imago is built so it can't.
Transactions, budgets, everything — stored in your browser's local database. There is no Imago cloud, no account, no sync server. We couldn't look at your finances if we wanted to.
The app makes no network requests with your data — enforced by automated tests that scan every release build for outbound calls. Fonts, icons, everything ships inside the app.
Your license is verified with cryptography inside your browser — no activation server, no phoning home, no telemetry. Ever.
One click exports everything to open JSON and CSV files you keep wherever you like. Your data is never held hostage — it was never held at all.
While subscription apps quietly collect $100+ every year, Imago costs less than one year of any of them — once.
No subscription. No upsells. No “premium” tier.
Secure checkout by Stripe · Instant email delivery · Works in any modern browser
Most budgeting apps are built around a bank connection, which means an account, a subscription, and your finances on someone else's servers. Imago starts from the opposite premise.
| Imago | YNAB | Monarch | Copilot | |
|---|---|---|---|---|
| Price model | $49 once, updates included | Yearly subscription | Yearly subscription | Yearly subscription |
| Where your data is stored | Your device only | Their cloud | Their cloud | Their cloud |
| Account required | No — not even an email | Yes | Yes | Yes |
| How transactions get in | CSV import with auto-categorization | Bank sync, file import or manual | Bank sync, CSV on web or manual | Bank sync or manual |
| Bank login | Never | Optional | Used for automatic sync | Required |
Based on each product's own pricing, help and security pages, checked 15 September 2026. If you want free, open-source software and are comfortable running your own server, Actual Budget is also worth a look; Imago is for people who want the same privacy without hosting anything.
Imago vs YNAB · vs Monarch · vs Copilot · vs Actual Budget · all comparisons
Yes — by architecture, not by promise. Imago runs entirely in your browser: your transactions, budgets and reports are stored on your own device and never uploaded anywhere. There is no Imago server that could see your data, and automated tests verify the app makes zero network requests with your information.
No. Imago is a one-time purchase of $49. You buy it once and it's yours — including updates. There is no monthly fee, no premium tier, and no upsell.
You export a CSV file from your online banking (every bank offers this) and drop it into Imago. Smart import remembers your bank's format, de-duplicates automatically, and auto-categorizes transactions using rules that learn from you. No bank passwords, no third-party aggregator ever touches your accounts.
Yes. After the first load, Imago works fully offline — on a plane, in a dead zone, anywhere. It installs to your phone's home screen or your computer like a native app.
Any modern browser: Mac, Windows, Linux, iPhone, iPad, Android. Your license key activates the app on the devices you use. Because data lives per-device for privacy, you move it between devices with a one-click export/import.
Imago backs your data up to a JSON file you keep wherever you like (your computer, iCloud, a USB stick). Restoring is one click. The app reminds you to export regularly, and your license key can always re-activate a fresh install.
Instantly by email after checkout — a key you paste into the app once. Activation happens completely offline; the app never phones home.
Yes — a 7-day free trial of the full app, with no card, no account, and no email. Open https://app.imago.money and tap “Try Imago free”. Everything you enter during the trial stays on your device, and buying a license keeps it exactly where you left off. Because keys are delivered instantly, all sales after the trial are final.
No. Imago never asks for bank logins and never uses a third-party aggregator. You download a CSV statement from your online banking — every bank offers this — and import it. Imago remembers each bank's format, skips duplicates, and categorizes the rest using rules that learn from you.
Those apps charge a yearly subscription, need an account, and keep your finances on their servers so they can sync with your bank. Imago is a one-time purchase of $49, needs no account, and stores everything on your own device — it reads the CSV files you export from your bank instead of connecting to it. You give up automatic bank sync; you get your data back.
Imago is built and supported by one independent developer, Rachel, who answers support email personally. Because the app and your data live on your device, it keeps working even if this website did not — and your backups are plain JSON and CSV files you can open in any spreadsheet or another tool, so nothing is ever locked in.
Export a CSV from your bank, drop it in, and watch months of spending sort itself into categories, budgets and trends. No account to create. No card. Nothing uploaded, ever.
7 days free · then $49 once · never a subscription