Import what you already have
Bank CSVs, receipt emails, and repeated merchants start as reviewable expenses.
Your time is the real cash
Money matters. But your time matters more.
Local-first budget tracking for people who would rather not live in a spreadsheet. Import CSVs, review receipts, and sync only when you need it.
Local SQLiteCSV importAI sortingEmail automation
Free local app · paid encrypted sync only when you need it
Income$4,800
Expenses$1,284
Net$3,516
SalaryIncome+$4,800
GroceriesFood-$84.20
Train passTransit-$34.00
Book shopLearning-$18.50
What it does
Budgeting, without the budgeting app feeling.
A small set of local-first tools for imports, receipts, cleanup, and review — nothing more than you need.
Clean up the repeat work
Remember mappings, suggest categories, and keep recurring spending tidy.
Stay local by default
Track money in a desktop app first. Add encrypted sync only when you want it.
Money automation
Budgeting should not steal your evenings.
Map a bank export once, connect the receipt inbox you already use, and let AI-assisted sorting keep merchants, categories, and repeat expenses tidy for review.
1
Connect your sources
Import bank files and pull receipts from the inbox you already use.
2
Let AI help sort
Get help with merchants, categories, and repeated expense patterns.
3
Review clean expenses
Approve tidy transactions without losing another evening to budgeting.
Local by default
Your money data lives on your machine.
Time is Cash is an Electron desktop app backed by SQLite. Your money stays local by default while the app handles repetitive sorting, cleanup, and review work.
Private sync pricing
Free locally. $3/month when you want encrypted sync.
The desktop app works without an account. Pay only when you want encrypted sync for the same private budget on your laptop and desktop.
local desktop tracking, CSV imports, and receipt review on one device.
per month for encrypted sync between your own devices.
per year for the same private sync.
- Free means local tracking, no account, no web dashboard.
- Paid sync stores encrypted blobs for your own devices.
- CSV and receipt workflows stay app-first and reviewable.
Quick answers
Clear about what sync is — and what it is not.
Does it connect directly to my bank?
Not yet. Start with bank CSV exports and IMAP receipt sync, then let Time is Cash remember column mappings, merchants, and categories.
Where does my money data live?
The desktop app uses local SQLite by default. Sync is optional and stores encrypted data for your devices, not a public web dashboard.
Do I need an account?
No account is needed for local tracking. Create one only when you want encrypted sync between your own devices.
Get timeis.cash
Spend less time budgeting. More time living.
Download the desktop app, import your first transactions, and let Time is Cash help sort the rest.