Your financial data never leaves your device. Here's why that matters more than ever.
Consumers who prioritize data protection in finance apps
U.S. adults willing to pay MORE for privacy
Ages 25-34 who have switched providers over data policies
Potential PFM users who cite privacy as reason for NOT adopting
Multi-app users who would consolidate if one app met all needs
Personal Financial Data Rights Rule -- banks must let consumers control their data. The era of data portability is here.
Comprehensive consumer privacy laws now in effect across 19 states. The regulatory landscape is rapidly expanding.
Fully applicable, affecting how AI handles financial data. Cloud-based AI financial tools face new compliance requirements.
2,679 fines totaling EUR 6.7 billion as of December 2025. The cost of holding user data continues to rise.
A local-first architecture sidesteps most of these requirements because the app never collects your data in the first place.
This isn't fringe -- it's an accelerating trend across every software category.
"Die-hard following" due to data ownership, millions of users. Your notes are plain Markdown files on your device.
Offline-first, instant response, conflict-free collaboration. Proving that speed and local-first go hand in hand.
Browser-based with offline editing, $20B acquisition bid. Local-first principles drive user trust.
Growing open-source community, local-first budgeting. Proving demand for private financial tools.
Local vault, browser bridge, zero cloud dependency. The gold standard for local-first security.
82+ engines, full planning depth, completely local. The most comprehensive local-first financial tool ever built.
Example: Mint shut down -- years of data gone
Example: Even if we disappear, your data is still yours
Every privacy-focused product asks you to trust them. We are no exception. The difference is what happens when you decide to test that trust. With most financial software, you cannot. The work runs on servers you do not control, using code you cannot read, with no observable signal of what gets sent or stored. The marketing is a promise. The promise is unfalsifiable.
Home Office OS makes a different bet. Because every calculation runs on your device, the network traffic we generate is visible to you, in real time, with free tools you can install in five minutes. If we are lying, you can catch us. If we are telling the truth, you can confirm it. Running locally converts privacy from a marketing claim into a testable hypothesis.
Cloud-first financial apps would not survive this test. They cannot. Their business model requires constant network calls. Mint, Monarch, YNAB, Boldin, eMoney, RightCapital all phone home continuously, and none of them invite you to verify it. We are inviting you to verify it. After the initial founding-member ping (one POST to our licensing worker, used to assign your founding number and check for updates), Home Office OS should stay silent on the network. Not "mostly silent." Silent. Here is how to confirm that yourself.
Made by Safing, a privacy-focused team that publishes the source code. Shows every outbound connection per application in a clean dashboard. Five-minute install, no command line, no configuration required. Click on the Home Office OS row; you should see zero active connections after the initial founding-member ping completes.
Made by Patrick Wardle of Objective-See, one of the most respected macOS security researchers. Free, open source, asks you to allow or deny every new outbound connection. The first time Home Office OS contacts our licensing worker for the founding ping, you will see the prompt. Allow it once. After that, you should see nothing.
On Windows, open Resource Monitor (search "resmon" in the Start menu), click the Network tab, sort by process. On Mac, open Activity Monitor (Cmd-Space, type "Activity Monitor"), click the Network tab. Both show per-process network activity in real time. Less pretty than Portmaster or LuLu, but you do not need to install or trust anything new.
A note on expectations: your computer is a busy place. You will see network activity from your browser, your operating system, your antivirus, your cloud storage, and dozens of background processes. That is normal. The test is specifically about the Home Office OS row. It should stay quiet while everything else continues chatting. If it does not, we want to know about it. Email [email protected] with what you saw and we will investigate.
This is what "verifiable privacy" actually means. Not a checkbox in our privacy policy. Not a third-party audit you have to trust. A test you can run, today, on your own machine, with free open-source tools, that produces an answer you can see with your own eyes. That is the bar we are trying to meet. Hold us to it.
Full offline access via Electron, system tray companion for seamless data import.
Monitor your finances on the go. View dashboards, check insights, review plans.
CRDT-based (Automerge) -- your devices sync directly, no cloud relay needed.
CSV/OFX manual import (free), SimpleFIN auto-sync ($15/yr), or browser extension.
