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

See how the Mac workspace fits together

Real Capehelm Dashboard showing a fictional monthly financial overview, spending pace, budget position and Capehelm Guide.

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

Follow the local CSV import workflow

Real Capehelm Trends screen showing fictional category and merchant spending patterns.

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

Learn how the 14-day Forecast works

Real Capehelm Forecast screen showing a fictional 14-day cash-flow plan, upcoming commitments and projected balances.

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

Real Capehelm Net Worth screen showing fictional assets, liabilities, balances and change over time.

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

Real Capehelm Retirement screen showing fictional account projections and user-controlled assumptions.

Keep your household aligned

Turn financial complexity into a useful conversation.

Report Builder creates clear plans and reviews for a partner or household member, using the complete Capehelm workspace on your Mac.

Weekly Family Plan
Weekly Spending Review
Weekly Money Check-In
Month-End Money Review
PDF outputs for a repeatable household check-in

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.

What local-first means in Capehelm

Private personal finance for Mac

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

Download on the Mac App Store How privacy works