Built from your ledger
Not generic advice. Oak answers from the balances, bills, debts and goals you keep in Oakfold, plus any file or context you add to the conversation.
The story behind your finances, written by you.
Typewriter budgeting for the modern age: more private than bank-linked apps, more intentional than autopilot, and free for good.
NewOakfold 1.0
Why Oakfold
See your whole picture and act on it
You don't need another app watching your bank account. You enter what matters, a few minutes a week, and Oakfold connects the rest: a budget that reflects a real month, a debt plan with a date on it, and goals that fund themselves on schedule.
Start for free
Free
Every budgeting tool, saved on your computer, for good. No trial to run out.
0
Bank logins ever requested.
8
Screens that share one set of numbers.
$4.99
A month for Oak, your household and cloud sync, if you want them.
Transactions
Every transaction, told in your words
Paychecks, rent, subscriptions and debt payments repeat weekly, bi-weekly, monthly, quarterly or annually. When they land, Oakfold confirms them against what you have recorded, or adds the whole month in one click.
Bank text like STARBUCKS STORE 08431 becomes whatever you would call it. Set the description, category, subcategory and 50/30/20 tag, and leave a note about why it happened.
Scan a statement and add what's missing, find recurring charges worth scheduling, recategorize everything from one merchant at once, and fix issues before the month closes.
Scheduled
Payment Schedule
- RentMonthly · 1st$1,450.00
- PaycheckBi-weekly · Friday+$2,140.00
Car LoanAlly · Monthly · 15th$389.00
HuluMonthly · 22nd$17.99
Get a Head Start4 scheduled for June
Bulk Add (4)
June 14 · Visa
STARBUCKS STORE 08431
- Category
- Uncategorized
- Subcategory
- —
- 50/30/20
- —
- Status
- Complete
Notes
Her treat next time.
June 2026
Toolbox
- ScanAdd a statement
- Add Missing3 not in Oakfold
- Scheduled2 found on statements
- RecategorizeA merchant's subcategory
- IssuesTo fix
- ReviewWith Oak
3 transactions addedFrom your June statement
Issues
Oakfold spots what's off. You have the last word.
Oakfold checks every transaction for an account that isn't yours, a payee it can't place, a transfer recorded as spending, and a missing website or note. Anything off turns amber in your history, and you choose which checks run.
Issues walks you through them like a short interview: one question about one transaction, and why it was flagged. Answer it, mark it Looks Right, or choose I Don't Know and let Oak look it up with Core.
When other transactions that month look just like the one you fixed, Oakfold offers to make the same change to them, so one answer clears them all.
June 2026
Transactions
- Coffee with MayaJun 14 · Food & Shopping$11.75
PaycheckJun 13 · Income+$2,140.00- SQ *JUNIPER BAKERYJun 11 · Food & Shopping$18.40
- Savings top-upJun 10 · Bills$250.00
TargetJun 9 · Home$64.12
0IssuesFound in June
SQ *JUNIPER BAKERY
Jun 11 · Dining Out
Who did you pay this $18.40 to?
The description for this transaction says “SQ *JUNIPER BAKERY”. However, the payee is “Unknown”. Add who you paid, or choose Looks Right if you’re not sure.
- To *
- Juniper Bakery
- Website
- juniperbakery.com
1 of 3I Don't KnowLooks RightSave
Juniper Bakery
Apply to the Rest?
3 other June transactions look just like SQ *JUNIPER BAKERY. Apply the same change to them too?
- To
- Juniper Bakery
- Website
- juniperbakery.com
- SQ *JUNIPER BAKERYJun 4$6.25
- SQ *JUNIPER BAKERYJun 18$22.10
- SQ *JUNIPER BAKERYJun 25$9.80
Same change for these?3 checked
Apply to 3
Budgeting
A plan that survives contact with a real month
Create a category, pick the subcategories it covers, and give each one an amount. The category adds them up for you. Or copy another month, or let Average fill it in from your last three.
Set a budget per category, 50/30/20 or your own split. One donut shares your income out across all of it, and its centre says plainly how far over or under the month is.
Open a category to see where its money goes, subcategory by subcategory, with budgeted, actual and remaining side by side as transactions come in.
Mark the bills that don't move as fixed, and tag spending as a need, a want or savings. Group the summary by fixed and variable to see how much of the month is decided before it starts.
Budget Summary
Budgeted Expenses
Over Budget
$371.07
of $3,500.00 income
🏠 Rent
💡 Bills & Utilities
🍔 Food & Shopping
🎯 Debt
📋 Business
🎮 Subscriptions & Entertainment
🚗 Car & Transport
🔥 Emergency Fund
Debt & goals
Know when you'll get there, and how
Name it, set a target and a date, and point an account at it. Extra money goes by date, by priority or split evenly, and every goal tells you plainly whether it is on time, early or late.
Avalanche pays the highest rate first, snowball the smallest balance first, or set your own order. Add whatever extra you can spare and the debt-free date and interest move on the spot.
Each debt lands on the chart the month it is paid off, so you can see what you have cleared, what is next, and which month to plan around.
Goal Simulation
3 goals · $350 extra/mo
- 🛟Emergency Fund$6,200 of $10,000Mar 27 · on time
- 🏖️Vacation$1,850 of $3,000Aug 26 · 2 mo early
- 🚗Car$2,400 of $12,000Sep 28 · 3 mo late
Where the extra goesBy DateBy PriorityEven Split
Debt Simulation
Snowball · 99 months
Debt-freeSeptember 2034
Interest$29k
Extra$200/mo
Debt Simulation
Snowball · Total Balance
Debt-freeSeptember 2034
Next payoffCar Loan
Paid Off19%$8,735 so far
Household
Money you share, without losing what's yours
Add up to four people to your household, each with their own profile and PIN. Every account belongs to someone or is marked shared, so the Accounts page shows whose is whose at a glance. Households come with Core.
Switch between the household and your own view, or filter transactions and scheduled payments by person. Everyone can see everything; a PIN keeps others from changing your accounts, transactions and schedules.
Budget, goals and debt are shared, so you plan the month, save for the house and pay down the car loan together, each from your own accounts.
Accounts
Household
CheckingEveryday$4,210.55- SavingsShared$12,800.00
CheckingEveryday$2,935.10- VisaCredit card−$640.22
Household+
+June 2026
Everyone's transactions
- GroceriesJun 12$84.20
- GasJun 12$41.06
- RentJun 1$1,450.00
- Coffee with MayaJun 14$11.75
- GymJun 9$39.00
HouseholdMylesSam
Shared goal
🏡 House Deposit
$14,600of $40,000
- MylesFrom Savings+$400/mo
- SamFrom Savings+$300/mo
Oct 29 · on time
June budget$4,820 of $6,500
Ask Oak · Comes with Core
Ask your money a question
Generic advice is free, and worth it. Ask Oak is different because it reads the accounts, budget, debts and goals you've already entered, then answers in plain language about your month. Type when you want detail. Talk when you'd rather think out loud.
Look at my debts and give me a payoff plan. Which one should I attack first, and how much faster am I debt-free with an extra $300 a month?
Thoughts
Here's your payoff order using the avalanche method: put every spare dollar on the highest rate and pay the minimum on the rest. It costs you the least interest.
Your debt lineup (by interest rate)
| Priority | Debt | Balance | Rate | Min Payment |
|---|---|---|---|---|
| 1 | Capital One Quicksilver | $2,865.38 | 30.49% | $110 |
| 2 | Amex Blue Cash Everyday | $5,392.91 | 27.49% | $180 |
| 3 | Discover It | $5,499.18 | 26.49% | $150 |
| 4 | Citi Custom Cash | $3,266.24 | 26.49% | $110 |
| 5 | OneMain Financial Loan | $8,535.14 | 19.99% | $245 |
Total debt: $25,558.85
With an extra $300 a month
You'd be debt-free in 32 months instead of 54, almost two years sooner, and pay roughly $7,900 less in interest. Capital One is gone by month 8. When it is, roll its full $410 into Amex and keep going down the list.
Five coaching styles
Balanced by default. Switch to Stabilizer to kill debt and build the safety net first, or Optimist to raise the ceiling instead of shrinking the life. Oak adjusts its advice, not your numbers.
150,000 credits a month
Core includes 150,000 AI credits every month. Need more? Set a monthly limit and Oak keeps going at the same rate, and budgeting, tracking, debt and goals never use credits.
- Never sold or shared. Your question goes to the model that answers it, and nowhere else.
- Hosted in the US. The language model runs on servers in the United States.
- Not kept, never trained on. Your requests aren't stored after the answer, and never train AI models.
Ask Oak gives informational insights based on the data you enter. It is not financial advice. Data is sent for processing only when you ask a question or share your screen. See the privacy policy.
Who it's for
Made for people who want their hands on the wheel
Oakfold asks a little of you each week and gives the whole picture back. If any of these sound like you, here's what the other side looks like.
Not a fit: businesses that need invoicing or accounting, and anyone who wants fully automatic bank syncing. We'd rather say so now than after you've set it up.
-
Starting to budget
"I've tried spreadsheets and the big apps. One was tedious, the other was overwhelming."
A few weeks in, the month has a shape. Bills post themselves to the calendar, the dashboard shows your income flowing out to savings, housing and debt, and you built none of it. You just typed what mattered.
-
Couples & families
"We manage money together, but every app assumes it's just me."
One screen you both trust. Every transaction shows who spent it, the budget belongs to the household, and when one of you asks "can we afford this?", the answer is on the dashboard instead of in an argument. Households come with Core.
-
Paying down debt
"I want a payoff date I can believe in, and I want to watch it move."
A date you can point to: November 2035. Then you add an extra payment and watch it slide into 2034, with the interest you just saved printed beside it. From there, every spare dollar is that date moving closer.
-
Saving toward goals
"An emergency fund, a wedding, the car. I never know which one is falling behind."
The wedding fund and the emergency fund rise on the same chart, each with its own date and a projected line. Months before anything goes wrong, you know which one needs attention and by how much. Nothing sneaks up.
-
Privacy-minded
"I'd rather type a transaction than hand my bank login to a third party."
So would we. You never type a bank password into anything but your bank. Your ledger lives on your computer, cloud sync is yours to switch on or off, and the only one reading your finances is you, plus Oak, when you ask.
Private by architecture
Rooted on your computer. Private by design, not by promise.
Bank-linked apps earn their convenience by asking for the one thing you should never hand out. Oakfold never requests, stores or transmits bank credentials, so there's no third party in the middle of your finances. No ads, no data brokers, no financial profiling.
Your data lives in a database on your own computer, and statement scans are processed there too. Cloud sync comes with Core and is optional; Incognito Mode keeps everything on this device.
Only the slice a question needs, only when you ask, sent to a US-hosted model that keeps nothing and never trains on it.
Your data
Lives on your computer
- Your bankNo login, no aggregator, no connectionNever
- Cloud syncBacks up to your own account, with CoreOptional
- Ask OakOnly what a question needs, never storedOn request
Honest comparison
The math, plainly
Most budgeting apps charge about a hundred dollars a year before you've entered a single transaction. Oakfold's budgeting is free for good, and Core is there if you want the AI and the cloud.
Cost over three years
Listed prices as of September 2026
Oakfold Free Free for good
$0
Oakfold Core $4.99 / mo
~$180
Simplifi ~$48 / yr
~$144
Copilot $95 / yr
~$285
Origin $99 / yr
~$297
Monarch $99.99 / yr
~$300
YNAB $109 / yr
~$327
Competitor pricing from their public pricing pages, September 2026. Plans and prices change; check their sites for current figures. Spreadsheets are free and offer the same control, with the formula maintenance left to you.
| Oakfold | Other budgeting apps | Spreadsheet | |
|---|---|---|---|
| Price | Free, or $4.99 / mo with Core | $48–$109 / year | Free |
| Bank credentials required | Never | Required for sync | Never |
| Where your data lives | Your computer | Their cloud | Your computer |
| Budget, debt payoff & goals connected | ✓ One app | Varies | Manual formulas |
| Debt payoff simulation | ✓ Avalanche, snowball, custom | Sometimes | Build it yourself |
| AI assistant that knows your numbers | ✓ With Core: chat, voice & screen share | Limited | — |
| Statement check | ✓ Scanned on your computer | — | By hand |
| Runs on your computer | ✓ Desktop app | Browser or phone | ✓ |
| Keeps working if you stop paying | ✓ On Free, with your data | Access ends | ✓ |
Getting started
Set up in one sitting
No bank linking, no waiting on a sync, no forty-step onboarding.
Download free, install in minutes
Install the Windows or macOS build, create your free account, and you're in. No credit card.
Add accounts and recurring items
Enter your accounts, paychecks and regular bills once. Oakfold schedules them forward from there and asks you to approve them as they land.
Budget, and add Oak when you want
Set your categories and watch the dashboard fill in. With Core, ask real questions: what to pay off first, what you can afford, where the month went.
Pricing
Free for good. Core when you want Oak.
Everything you need to budget is free, with no trial to run out. Core covers what costs money to run: the AI, the cloud and your household.
Free
Budgeting, free for good
$0forever
Get started for free
No credit card required
- Dashboard, calendar and accounts
- Transactions and scheduled bills
- Budgets, debt payoff plans and goals
- Statement scanning and reconciling
- Academy lessons
- Saved on this computer
Oakfold Core
Everything that runs in the cloud
$4.99/ month
Start free, then add Core
Choose Core in the app, under Plans & Credits. Cancel anytime.
Everything in Free, plus:
- Ask Oak chat about your own money
- Voice mode and screen share with Oak
- Fill with Oak and Enhance with Oak
- Your household: profiles and PINs
- Cloud backup and sync on 5 computers
- 150,000 AI credits every month
Need more AI? Set your own limit.
Extra usage
When your 150,000 monthly credits run out, Oak can keep going at the same rate, added to your next Core bill. You pick the most it can cost, up to $50 a month. It's off until you turn it on.
$4.99per 150,000 credits
Cancelling Core keeps it until the end of the paid month. After that, everything you entered stays on your computer and keeps working on Free.
Is Oakfold really free?
Yes. Free includes every budgeting tool: dashboard, calendar, accounts, transactions, scheduled bills, budgets, debt plans, goals, statement scanning and Academy. There's no trial to run out and no card to enter. You sign in with a free Oakfold account, and your data is saved on your computer.
What does Core add, and what does it cost?
Oakfold Core is $4.99 a month. It adds Ask Oak, voice mode, screen share, Fill with Oak and Enhance with Oak, Oak memory, your household with profiles and PINs, and cloud backup and sync on up to five computers, with 150,000 AI credits every month. You can add it from Plans & Credits in the app.
What happens if I cancel Core?
Core stays on until the end of the month you paid for. After that, everything you entered stays on your computer and keeps working on Free.
Why doesn't Oakfold connect to my bank?
Deliberately. Bank sync means handing your login to a third-party aggregator and keeping your entire financial history on someone else's servers, and it still miscategorizes things you then fix by hand.
Entering transactions yourself takes a few minutes a week and gives you three things sync can't: accurate categories, complete privacy, and a real sense of where your money goes. Recurring income and bills post on schedule for you to approve, and the statement check catches anything you missed.
Where is my financial data stored?
In a local database on your own computer. On Free, that's where it stays. With Core, cloud sync also backs it up to your own Oakfold account so you can restore it or move machines. Switch sync off and the app runs in Incognito Mode, where changes are saved to this device only. You can change your mind either way at any time.
What are AI credits, and will I need to buy more?
Credits cover the cost of running Oak's language model and voice features, and only AI features use them. Core includes 150,000 every month, and the allowance resets each month. Unused monthly credits don't carry over.
If you lean on Oak heavily, you can set an extra usage limit of up to $50 a month. Past your allowance, Oak keeps going at the same rate, $4.99 per 150,000 credits, and only what you use is added to your next Core bill, never more than your limit. It's off until you turn it on, and budgeting, tracking, debt and goals never touch your balance.
Does my data get sent to the AI?
Only when you ask. Ask Oak sends the relevant slice of your data needed to answer that specific question, and nothing at all if you never use it. When you share your screen, an image of the Oakfold window only goes with each spoken question. Your data is never sold or shared with anyone else, the model runs on servers in the United States, and your requests aren't stored after the answer or used to train AI models. Details are in the privacy policy.
Which platforms are supported?
Windows and macOS desktop today. Mobile is coming soon.
What does "beta" mean for me?
Everything on this page is in the app and usable today. Beta means it's being actively developed by one person who reads every support email, so you'll see rough edges fixed and features added quickly. If something's broken, tell us and we'll fix it.
Can my partner and I use it together?
Yes, with Core. Add up to four people to your household, each with a profile and an optional PIN, and use Oakfold on up to five computers. Record who spent or earned each transaction, and budget from one combined picture or filter down to one person.
How does the statement check work?
Scan a bank statement for the month as a PDF, CSV or image and Oakfold compares it against what you've recorded, account by account. If everything matches, it tells you so. If a line is missing or extra, you'll see exactly which, and you can add the missing ones with a click. The whole check runs on your computer; statements never leave it.
Get started
This time next year, you'll know where it all went
Bills that post themselves. A debt-free date you watch move closer. Goals that fund on schedule. Start free, and it stays free for as long as you want it.
Start for free