True North Budgeting
True North Budgeting is an offline desktop budgeting application for macOS, Windows, and Linux.
What True North Budgeting is
True North Budgeting is an offline desktop budgeting application for macOS, Windows, and Linux. It runs on the user's computer and stores the budget file locally; the product says it stores nothing in the cloud and does not request bank or financial-account credentials. The app also says it does not send financial data to analytics services, while data benefits from the operating system's built-in security and encryption features. Budgeting tools include pay-period grouping, a 12-month forecast, 50/30/20 allocation, goals, and a monthly calendar. The calendar displays cash flow with color coding and lets users edit events instantly. Two one-time lifetime license plans are listed. Personal costs $29.99, paid once and covers one computer with one lifetime license. Navigator costs $49.99, paid once and includes three licenses for a desktop, laptop, and one to share. Future updates are included with both plans. There is no free plan. The maker, True North Budgeting, is headquartered in Phoenix, Arizona, United States.
Good
- Budget file stays local and works offline.
- Includes a 12-month forecast and pay-period grouping.
- Color-coded calendar supports instant event edits.
- Future updates are included with both lifetime licenses.
Watch out
- No free plan is stated.
- Personal covers one computer.
- Navigator costs $49.99, paid once.
Who it suits
It suits people who want to manage a budget offline on macOS, Windows, or Linux without entering bank credentials. Navigator may suit users who want licenses for multiple computers and one to share.
Verdict
True North Budgeting centers on local, offline budgeting with planning tools and a color-coded cash-flow calendar. Choose between the one-computer Personal license and Navigator's three licenses, based on how many installations you need.
Plans and prices
From True North Budgeting's own pricing page, checked 28 Sep 2026.
| Plan | Price | What it gives you |
|---|---|---|
| Personal | $29.99, paid once | One computer; 1 lifetime license · 1 lifetime license · One-time purchase; lifetime license |
| Navigator | $49.99, paid once | Three licenses; desktop, laptop, and one to share · 3 lifetime licenses · One-time purchase; lifetime licenses |
The facts
Each one read from True North Budgeting's own pages, with the date it was checked.
What it does
- Bank Logins
- The app does not ask for bank credentials or financial-account credentials.checked 28 Sep 2026
- Budget Features
- Includes pay-period grouping, a 12-month forecast, 50/30/20 allocation, goals, and a monthly calendar.checked 28 Sep 2026
- Calendar Editing
- Users can view cash flow on a color-coded monthly calendar and edit events instantly.checked 28 Sep 2026
- Cloud Storage
- The product states that nothing is stored in the cloud.checked 28 Sep 2026
- Deployment
- desktopchecked 23 Sep 2026
- Financial Telemetry
- The desktop app does not send financial data to analytics services.checked 28 Sep 2026
- Future Updates
- Future updates are included with both listed lifetime licenses.checked 28 Sep 2026
- Media Coverage
- The homepage says the product was featured in several named media outlets.checked 28 Sep 2026
- Offline Operation
- Core budgeting works offline and the budget file is stored locally.checked 28 Sep 2026
- Pricing Model
- One-time purchase with no subscriptions, recurring charges, or hidden fees.checked 28 Sep 2026
- Security Encryption
- Data benefits from the operating system's built-in security and encryption features.checked 28 Sep 2026
- Sharing Licenses
- Navigator provides three licenses and includes one license to share.checked 28 Sep 2026
- Support Contact
- The page lists [email protected] as a contact address.checked 28 Sep 2026
Where it runs
- Desktop Application
- It is an offline desktop budgeting application that runs on the user's computer.checked 28 Sep 2026
- Supported Platforms
- Available on macOS, Windows, and Linux.checked 28 Sep 2026
Money
- Free plan
- Nochecked 23 Sep 2026
- Free Tier
- No free tier is stated in the supplied page text.checked 28 Sep 2026
- Trial Refund
- The supplied page text does not state a trial or refund policy.checked 28 Sep 2026
The company
- Headquarters
- Phoenix, Arizona, United Stateschecked 4 Oct 2026
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