Local-first personal finance
Watch your 0% APR clock from your phone.
GlidePath Money runs on your PC and reaches your phone via your own private subdomain. The only personal finance tool that surfaces every balance-transfer expiration before it bites — alongside net worth, debt paydown, and retirement projections. Without sending a single transaction to anyone's cloud.
Why "local-first" matters
Mint shut down. Simplifi and Monarch can read every transaction you have. Your bank balances, debts, and retirement projections sit on someone else's servers — to be hacked, sold, or analyzed by AI you didn't agree to. GlidePath Money is built the opposite way.
Your data never leaves your PC
All your accounts, transactions, and projections live in plain CSV files on your machine. We never see them. No "anonymized data sharing", no AI training, no third-party analytics. It's your filing cabinet, on your computer.
No bank credentials, ever
Other apps want your bank login (Plaid, Yodlee, etc.) — one breach away from your savings. GlidePath Money never asks. You manually enter balances on a schedule that suits you, just like the old days, but with a real app.
No subscription lock-in
Your data is plain CSV files on your disk. Cancel any time, keep your data. No vendor wall keeping you in. Worst case, open the files in Excel.
Everything that's inside.
Personal finance is a wide topic — most tools pick one corner and ignore the rest. GlidePath Money handles the whole picture, organized into four areas that rarely live under one roof.
Cash flow & spending
Know exactly where every dollar lands, every month.
- Monthly cash flow view with full breakdown — mortgages, utilities, family support, subscriptions, periodic accruals (property tax, est. taxes), credit-card minimums, variable lifestyle estimate
- Transaction ledger with rich search, category overrides, transfer-group detection
- Spending categorization with discretionary-vs-essential buckets
- Cash flow gap analysis — flags months where projected expenses outrun income before they happen
- Monthly close workflow for the disciplined among you
Cards, loans, & debt
The killer feature lives here — see the spotlight below.
- 0% balance transfer countdown — days remaining, monthly payment to clear, post-promo APR. The thing nobody else tracks.
- Credit card priority view sorted by urgency — accruing interest first, then deadline-driven, then healthy promos
- Loan amortization schedule for every loan you have, with balloon-payment warnings 36 months out and 18 months urgent
- Multi-loan aggregates — total debt service, next maturity, principal paid down, remaining term
- Action queue on the home page surfaces the most time-sensitive debt decisions first
Net worth & retirement planning
The forward-looking math that gives the product its name.
- Net worth tracked across liquid, retirement, real estate, loans, and credit cards — with multi-year history charts
- Retirement Monte Carlo simulation with adjustable assumptions (contribution rate, employer match, expected return, withdrawal strategy)
- 401(k) activity tracking — own contributions, employer true-ups, loan paydown, dividends & credits, stacked by month
- Spousal survivor outlook and claim-scenario projections for Social Security
- What-if simulator — run scenarios for early retirement, mortgage paydown, Roth conversion timing, tax-bracket valleys
- Strategy notes in markdown — your written game plan, versioned alongside the numbers
Households, businesses, contractors
Built for real life — couples, families, side projects, full-time self-employed.
- Multi-partner support — spouse / family member tracked with their own accounts, contributions, and retirement scenarios. Per-partner naming so the app speaks your household's language
- Self-employed quarterly tax estimate — YTD owed, quarterly budget, countdown to the next IRS deadline (Q1/Q2/Q3/Q4). The single most-missed feature for contractors
- IRS mileage log — every business trip with auto-calculated deduction at the current standard rate ($0.67/mi for 2024)
- 1099-NEC prep dashboard — vendors you've paid $600+ this year flagged automatically before the Jan 31 filing deadline
- Business / LLC P&L — separate cash position, recurring revenue and expenses, year-to-date P&L, monthly history with margin trend sparkline
- Cash runway calculation when you're burning more than you earn — months of operating runway at current burn rate
- Real estate, LLC, and every account category rolled up correctly in net worth — Liquid, Retirement, Credit Card, Real Estate, Loan, Business
Plus a unified Reports page that pulls everything into one print-friendly view — cash flow waterfall, debt paydown timeline, net worth projection with milestone markers, annual summary, business tax-year roll-up, and spending-by-category breakdown. Built for advisor meetings and year-end review. Plus the boring-but-essential stuff: CSV/Excel/PDF import from Mint, Simplifi, Monarch, YNAB, Quicken, BoA, Chase, Discover, AmEx, etc.; transaction reconciliation; balance-history snapshots; markdown action narratives.
See your trajectory.
Numbers in a spreadsheet only get you so far. GlidePath Money draws the pictures that show where your finances are heading. Three quick examples of the kind of thing you'll see inside.
Liquid + retirement + real estate, less loans & cards. Updates as you snapshot balances.
Watch the trajectory tilt up as your retirement compounds and the mortgage balance falls.
1,000 simulations of market returns. The fan shows where you might land at every age — the median trajectory plus the 10–90% range around it.
Most outcomes cluster around the median, but you'll see the worst-case tail too — the part nobody else shows you.
Avalanche vs Snowball vs Promo-aware. The simulator marches month-by-month, applies the right APR (including 0% promos and post-promo cliffs), and shows you the dollar difference.
The right strategy depends on what cards you carry — and you only know when you see all three at once.
Spotlight feature
Balance transfers that don't bite you.
0% APR balance transfers are how you actually pay down credit card debt — until the promo expires and you're suddenly back on 24%+ interest, sometimes retroactively on the entire balance. Mint, Simplifi, and Monarch don't surface this at all.
GlidePath Money tracks every BT promo in a first-class entity. For each transfer, you see:
- Days remaining until your 0% expires — color-coded by urgency.
- Monthly payment needed to clear the balance before the promo ends.
- Post-promo APR displayed alongside, so you know exactly what you're racing.
- Action queue on the home page surfaces the ones running out of time first.
- Expired-promo warnings — if interest started accruing, you'll see it that day.
Saved real money the first month it caught a missed deadline. That's the whole pitch.
How it compares.
Personal finance is a crowded category. Here's what makes GlidePath Money different from the tools you're probably looking at.
| GlidePath Money | Monarch | Simplifi | Copilot | Mint | Quicken Classic | |
|---|---|---|---|---|---|---|
| Price | $79/yr | $15/mo | $6/mo | $13/mo | — | ~$80-110/yr |
| Your data stays on your PC | Yes | No | No | No | Shut down 2024 | Yes |
| No bank credentials required | Yes | Plaid | Plaid | Plaid | — | Yes (older) |
| 0% balance-transfer countdown | Yes — flagship feature | No | No | No | — | No |
| Phone access from anywhere | Yes — your subdomain | App | App | App | — | Web companion only |
| Mortgage amortization + balloon warnings | Yes | No | No | No | — | Yes |
| Retirement Monte Carlo | Yes | No | No | No | — | Yes |
| CSV/Excel import from your old tool | Yes | Yes | Yes | Yes | — | Yes |
| Keeps working if you cancel | Yes — CSVs on your disk | Read-only | No access | No access | — | Yes |
Prices and feature comparisons gathered Q2 2026. The honest pitch: GlidePath Money is the modern UI of cloud-hosted competitors with the data-ownership of Quicken Classic, plus a balance-transfer feature nobody else builds.
How it works
Three steps. No technical knowledge required.
Buy a license
Pick a subdomain (e.g. wolff) and a sign-in email during checkout.
We email you the installer plus a license key.
Run the installer
Double-click. Paste the license key. The installer sets up the local app, configures a private subdomain that points to your PC, and gates it with Microsoft / Google sign-in.
Open it from anywhere
Visit you.glidepathmoney.com from any browser — your phone,
your laptop, your kitchen tablet. Sign in once per device. Your PC just has
to be on.
Ready to own your finances?
One-time setup, one fixed price. No "anonymized data sharing" small print. Just your numbers, on your machine, in your hand.