Budgeting with a brain.

No subscription, no cloud, no lock-in. Plain CSV files that you can open in Excel.

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Try the live demo or read how it works

WHY CAPY

Built like a tool, not a service.

~/budgets/Household

NET WORTH

$46,437.58

+$1,820.34 this month

CHECKING
SAVINGS
CREDIT CARD

INCOME

$5,890

EXPENSES

$5,243

NET

+$647

Expenses Income
Housing $2,200.00
Groceries $620.45
Transportation $480.20
Travel $418.00
📥

Import

Drop files or click to browse

2 FILES READY

🖼 receipts-may.jpeg 1.9 MB ✕
📄 chase-statement.csv 2.4 MB ✕
Set up my May spending — chase statement plus a couple receipts from my phone
Any account ▾ ✨ Start Import
Capy Budget — Household

All Accounts

2,034 transactions

Search transactions…
All Categories ▾
All time ▾
DATE ACCOUNT MERCHANT CATEGORY AMOUNT
May 12 Whole Foods Groceries -$87.42
May 11 Salary Income +$4,230.00
May 11 Apple Subscriptions -$9.99
May 10 Uber Transportation -$23.40
May 10 Trader Joe's Groceries -$62.18
May 9 Netflix Subscriptions -$15.49
May 9 Costco Groceries -$184.22
May 8 Stripe Income +$1,200.00
May 8 Spotify Subscriptions -$11.99
May 7 Delta Air Lines Travel -$418.00
May 7 Starbucks Dining Out -$6.85
May 6 Rent Housing -$2,200.00
Capy Budget — Household
‹ February 2026 ›
Month Quarter Year All Time Custom

INCOME

$5,890.45

EXPENSES

$5,243.12

NET

+$647.33

Expenses Income
Housing $2,200.00 42.0%
Groceries $620.45 11.8%
Transportation $480.20 9.2%
Travel $418.00 8.0%
Dining Out $340.55 6.5%
Fun & Hobbies $290.18 5.5%
Bills & Utilities $280.00 5.3%
Subscriptions $185.50 3.5%
Clothing $180.40 3.4%
Allowances $150.00 2.9%
Health & Beauty $95.30 1.8%
Uncategorized $2.54 0.1%
‹ February 2026 ›
Month

SPENT THIS MONTH

$4,612.18

TRACKING TOWARD

$4,980.00

OVER BUDGET

1

4 of 6 tracked
last month 3-mo avg ⌄
FIXED
• Rent $2,100.00 $2,100.00
$0.00
• Utilities auto $185.00 $162.40
$22.60
DAILY LIVING
• Groceries auto $740.00 $648.95
$91.05
• Dining Out auto $320.00 $408.30
-$88.30
‹ 2026 ›
Year All Time Custom

INCOME

$14,580.18

EXPENSES

$11,243.12

NET

+$3,337.06

Expenses Income
‹ 2025 ›
Year All Time Custom

INCOME

$98,540.20

EXPENSES

$74,820.45

NET

+$23,719.75

Bar Area
Capy Budget — Household
📥

Import

Drop files to import transactions

Drop files or click to browse

CSV and images of bank statements

3 FILES READY

🖼 receipts-may.jpeg 1.9 MB ✕
📄 chase-statement.csv 2.4 MB ✕
📄 venmo-history.csv 837 KB ✕
Set up my May spending — chase statement plus a couple receipts from my phone
Any account ▾
✨ Start Import

FEATURES

Everything Capy does.

Data

  • Cash, credit cards, investments, loans
  • Net worth tracking
  • Monthly budgeting
  • Spending summaries and trends
  • CSV import — banks, Mint, YNAB
  • Manual transactions entry
  • Plain CSV files on disk

Intelligence

  • Auto-categorization on import
  • Image recognition for receipts
  • Natural language queries
  • AI model can perform all actions
  • Works with OpenAI, Claude API, or Claude Code with your subscription
  • MCP server — allow other agents to work with your budget

Privacy & ownership

  • Your data never leaves your machine
  • No account, no sign-up, no telemetry
  • Sync via iCloud, Google Drive, or git
  • Bring your own API key for AI features
  • Open Source — fork or contribute
Try the live demo

HOW TO START

Three steps.

01

Create or open a folder

Pick a folder on your computer. That's your budget. Capy creates a few CSVs.

02

Import transactions

Drag in CSVs from your bank, paste from Plaid, or type them. Capy categorizes.

03

Ask Capy anything

"How do I import from Chase?" "Find duplicates." "Set a grocery budget."

New to budgeting? Read how it works.

GET IT

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