Local-first, period
Your statements, database, and AI questions stay on your Mac.
Direct download for macOS
Personal finance software lost the plot.
CentProof reads the PDF statements your bank already gives you, reconciles to the cent, and answers your money questions — all on your Mac, never in someone else's cloud.
No bank password. No cloud sync. Local AI by default.
No bank password
No cloud sync
Local AI by default
Signed and notarized for macOS
Purchases handled by LemonSqueezy
Your data stays local
The problem
Personal finance apps got too hungry for your data.
Most personal finance tools keep moving more of your financial history away from your Mac. CentProof takes a quieter path: you import the PDF statements you already download, and the app does the work locally.
Your bank statements stay on your Mac. So does the AI.
Your financial data stays on your Mac
No bank password
No cloud sync
Local AI by default
Local AI by default
Ask questions, clean up merchants, and summarize patterns without sending financial data off your Mac.
Reconciled to the cent
Statement math is verified before you trust the data.
Direct Mac app
Downloaded from centproof.com, signed and notarized for macOS.
Workflow
How it works
CentProof starts with local PDF statements and ends with searchable, reportable records you can verify.
Download CentProof
Install the signed and notarized Mac app.
Drag in PDF statements
Use the statements you already download from your bank.
Verify reconciliation
CentProof checks statement math down to the cent.
Search, tag, and organize
Clean up merchants, entities, categories, and notes.
Ask CentProof questions
Run local AI queries with source rows shown underneath.
Export reports
Create CSV and PDF reports from local data.
Who it's for
Built for the privacy-conscious and the unsyncable.
If you've ever closed a finance app because it wanted your bank password, broke on your credit union, or felt like an Electron tab pretending to be a Mac app — you're who CentProof is built for.
The Privacy Pro
Engineers, lawyers, and anyone who refuses to hand a bank password to a third-party aggregator.
If a 'connect your bank' button is a hard no for you, CentProof never asks. It works from the same PDF statements you already download for taxes.
The 1099 Freelancer
Solo workers stitching multiple clients, business and personal cards into one searchable history.
Drop in statements from every account, tag once with Smart Tagging, and search across years of activity. No cloud sync, no per-seat pricing.
Read the freelancer playbookThe Mac Power User
Native speed, keyboard shortcuts, and zero web-wrapper latency.
Not Electron. Not a browser tab pretending to be a Mac app. CentProof is a Tauri-built Apple Silicon native binary that respects your machine.
The Unsyncable Bank
Credit union members and foreign account holders whose banks constantly break Plaid integrations.
If your bank doesn't sync reliably with mainstream finance apps, CentProof works directly from the PDF — and you keep the same workflow whether your bank is Chase or a regional credit union.
The Co-Mingled Couple
Partners splitting expenses across joint and individual accounts without per-seat SaaS bills.
Import statements from both partners' accounts on one Mac. Tag transactions by entity (Joint / Mine / Partner's) and run settlement reports without paying for every member separately.
For bookkeepers & accountants
Keep books for clients? Meet CentProof Business.
A fully isolated workspace per client, batch import for whole folders of statements, and exports to CSV, OFX, and QuickBooks — all local, with unlimited clients and no per-seat fees.
Features
Statement-based finance, not a cloud feed.
CentProof is built around PDF import, reconciliation, local AI, source rows, and reports you control.
PDF in, verified data out
Drop in the same PDF statements you already download for taxes. CentProof reads BofA, Chase, Citi, Apple Card, Amex, Discover, Capital One, US Bank, and Wells Fargo — then reconciles each statement against its own opening and closing balance. Math is verified before you trust the data.
Tag once, applies forever
Raw bank descriptions like 'AMZN MKTP US*4F8H2' are hostile to humans. CentProof's Smart Tagging learns 'AMZN MKTP' means Amazon — and applies it to next month's slightly-different string automatically. You stay in control of the final approval.
Ask plain-English questions. Answers stay on your Mac.
A 3-billion-parameter AI runs natively on Apple Silicon. Zero cloud calls to OpenAI or Anthropic. Ask 'how much did I spend on groceries last quarter' and CentProof returns the answer with source rows so you can check the math.
Catch the subscriptions you forgot you had.
Detect repeating charges across imported statement history — merchant, cadence, and amount changes. Spot subscription price hikes, annual-fee bumps, and that one streaming service you've been paying for since 2022.
See exactly what changed since last month.
Compare any two periods and CentProof shows which merchants or categories drove the difference — with source rows. Useful for catching new subscriptions, unusual spending, and the 'wait, why was the credit card bill higher this month' moment.
Standard exports. Zero lock-in.
Trip reports, settlement reports, search exports — plus CSV and PDF outputs. Your data lives in a local SQLite database. If CentProof goes away tomorrow, your history is yours forever.
Direct distribution
Why CentProof is downloaded directly.
CentProof is a local-first Mac app with a local AI model, local database, and fast bank-parser updates. Direct distribution lets us ship a private, signed, notarized app with direct support and same-day parser updates.
Signed with Apple Developer ID
Notarized for macOS Gatekeeper
Same-day parser updates
Direct support from Java Mantra Corp
LemonSqueezy handles secure checkout, tax, receipts, and license delivery
Supported banks
Built from real statement formats.
Current support covers major US banks and cards. New parsers are written from one redacted sample statement — if your bank is missing, you can move it to the top of the queue.
Bank of America
Capital One
Apple Card
American Express
Discover
Citi
US Bank
Chase
Wells Fargo
Don't see your bank? Send a sample →Pricing
Try it free. Buy once when you’re ready.
Launch pricing is built for direct purchase: test with your own statements, then unlock unlimited local use.
Free Test Mode
Try with your own statements.
$0
Download for Mac- 2 active statements
- 5 lifetime imports
- 5 Ask CentProof questions, then 1/day
- Full search on imported data
- Watermarked CSV export, first 50 rows
- PDF report preview with watermark
- 1 saved report
Existing imported data stays accessible. We do not hold your data hostage.
Pro Lifetime
Pay once. Use CentProof forever.
$49 one-time
$29 launch lifetime for the first 30 days
Buy Lifetime- Unlimited statements, accounts, and transactions
- Unlimited Ask CentProof questions
- Full local AI features
- CSV and PDF exports
- Tax Summary with manual entries + Detailed PDF (source-PDF snapshots)
- Up to 2 Macs
- One year of updates and support
- Major upgrades may be optional paid upgrades later
Best for privacy-conscious Mac users who prefer owning software.
Pro Monthly
Flexible access.
$5/month
Subscribe Monthly- Unlimited statements, accounts, and transactions
- Unlimited Ask CentProof questions
- Full local AI features
- All export formats
- Tax Summary with manual entries + Detailed PDF (source-PDF snapshots)
- Updates and support while subscribed
- 1 Mac
- Cancel anytime
Great if you want to try Pro without the one-time purchase.