Product features

Past, present and future—in one financial workspace.

Capehelm is designed to move from a high-level answer to the detail behind it without sending your financial history to an app-owned cloud account.

See where you stand Understand where it went Plan what happens next Measure long-term progress Plan beyond the balance sheet Keep your household aligned Keep control

See where you stand

A current financial picture, without the spreadsheet archaeology.

Dashboard brings spending, budget position, forecast context, savings and net-worth signals into one focused starting point. Capehelm Guide shows what you’ve set up, what needs attention and the next useful step to take.

Monthly financial overview
Capehelm Guide and setup progress
Attention signals for reviews, budget pressure and potential duplicate charges
Budget Health by group and category
Projected month-end spending
Budget Builder

Capehelm

Local only

August overview

Your financial position

Income$7,850Month to date

Spending$4,24054% of income

Left to plan$1,430On track

Net worth$286kUp this year

Spending this monthHealthy pace

Coming up14 days

Income+$3,920
Commitments−$1,740
Flexible room$680

Understand where it went

Trace the story behind the totals.

Import statements from supported formats or teach Capehelm the structure of another financial institution’s CSV—all locally. Review the results, shape categories and explore the story in Trends.

Built-in and configurable bank CSV imports
Local mapping confirmation and reusable import profiles
Duplicate detection and post-import review
Search, filters and source traceability
Group, category and merchant Trends

Capehelm

Local only

Spending patterns

See the shape of your spending

GroupCategoryMerchant

Housing34%

Groceries18%

Travel14%

Dining10%

Utilities9%

Shopping8%

Other7%

Top movementsvs last year

Groceries+8%
Dining−12%
Travel+5%
Utilities−3%

Plan what happens next

Know what your money needs to do before you spend it.

Forecast projects the next 14 days across checking balances, income, expenses, card payments and recurring commitments. Financial To-Do keeps payments, reimbursements and follow-ups visible alongside the numbers.

14-day projected balance
Safety-floor awareness
Recurring and manual items
Flexible spending context
Financial To-Do for payments, reimbursements and follow-ups
Due-soon and overdue awareness

Capehelm

Local only

14-day outlook

Know what your money needs to do

Starting balance$4,820Northstar Chequing

Lowest balance$2,160Above safety floor

Flexible room$620After commitments

Projected checking balanceSafety floor $1,500

TodayEveryday Visa−$820Covered

Measure long-term progress

See the balance sheet behind the month.

Net Worth organizes institutions, accounts, assets, liabilities and histories into a long-term view that separates contributions, withdrawals and growth.

Account histories
Contribution-adjusted growth
Liquid versus fixed assets
Account and institution organization
Linked secured assets and liabilities

Capehelm

Local only

Long-term progress

Net worth

Current net worth$286,420Contribution-adjusted growth +6.8%

Investments$184k64% of assets

Liquid assets$42k14% of assets

Property$380kUpdated recently

Liabilities$320kMortgage + vehicle

Plan beyond the balance sheet

Give long-term saving a clearer direction.

See how the accounts you’re building today could grow toward retirement. Adjust contributions, retirement timing and expected growth, then compare conservative, expected and optimistic paths.

Account-by-account retirement projections
Contribution assumptions
Expected growth with upside and downside bands
Retirement age and date planning
Saved-plan comparison
Retirement milestones

Capehelm

Local only

Long-term planning

Retirement projection

Target dateMay 2050Age 65

Monthly contributions$1,450Across 3 accounts

Expected path$1.42mAt target date

Projected account growth3 paths

ConservativeExpectedOptimistic

Keep your household aligned

Turn financial complexity into a useful conversation.

Report Builder creates clear plans and reviews for a partner or household member. The iPhone companion opens the same finance-document format for selected Forecast, Reports and Financial To-Do workflows.

Weekly Family Plan
Weekly Spending Review
Weekly Money Check-In
Month-End Money Review
Selected iPhone companion workflows

Capehelm

Local only

Monthly plan

Budget health

76%month planned

Actual MTD$4,24052% of plan

Projected month-end$7,980$120 under plan

Home & utilities$2,180$2,090On track

Groceries$820$760Watch

Travel$410$540Over plan

Savings goals$1,200$1,200On track

Local-first control

Your data. Your files. Your backups.

Capehelm Finance Documents, built-in and configurable bank CSV imports, local backups, reports and exports stay under your control.

Coming soon for Mac

A clearer view of your money, kept on your devices.

View availability How privacy works