Maali
A desktop budgeting app that keeps your bank data and its AI on your machine
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Pulse Local
A free Mac budget app that answers spending questions with on-device models
It shows a sound pattern for any money app adding chat: a small model writes the query, plain code does the sums, and a second model says 'not sure' when they disagree.
Pulse Local is a budgeting app for Apple Silicon Macs with plans, rules, rollover, splits and forecasts, plus a chat that answers questions about your spending. A tuned Qwen3 0.6B model turns each question into a structured query, ordinary code does the arithmetic, and an optional 4B checker cross-checks money answers. Ledger and questions stay on the Mac and no analytics are sent. Import a bank CSV for free, or pay $29 a year for US bank sync through Plaid. It is a beta, and the first launch downloads about 3 GB.
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