KeepFloat keeps your books and your client invoicing together — and they talk to each other. The moment an invoice is paid, it lands in your ledger. Automatically.
Every number on this screen lives in one file, on your computer. Nothing leaves.
SQLite · encrypted disk · your own Microsoft 365 for email · tamper-evident audit logThat connection is the whole point. Record a payment on an invoice and a matching deposit posts to the right account, categorized, tagged with its source. One client check covering five invoices? One entry. Your A/R and your bank balance can never drift apart. Don't even want to click? Forward the client's payment email to your private KeepFloat address and it records itself.
Accounts, a fast ledger register, transfers, reconcile-against-statement, envelope budgets, goals, bills, recurring — everything a serious personal-finance tool has, minus the cloud.
Per-client rate rules, live preview, beautiful PDFs, sent from your own email. Estimates, late fees, auto-billing schedules, even an optional Stripe pay-online link.
Local-first isn't a feature toggle — it's the design. Self-hosted, your books are one SQLite file on your machine and nothing leaves. Hosted, you get your own private copy — an isolated database, encrypted backups, no analytics — exportable anytime.
A dashboard that answers the only question that matters — am I okay? — then lets you go as deep as you like.
Every account — checking, credit, cash, investment, asset, liability — in one fast register with splits, tags, linked transfers, and source badges that show exactly where an entry came from.
Envelope budgets with rollover, a safe-to-spend number with a per-day pace, savings and debt-payoff goals with projections, and a cash-flow forecast that warns you about low balances before they happen.
Set each client's rates, rounding, minimum charge, tax exemption, and recurring items once. From then on, invoices nearly write themselves.
Invoices render to clean PDFs and go out through your own Microsoft 365 account — no third-party sender, no "via someotherapp.com". PDFs file themselves into each client's folder.
P&L, net worth, revenue by client, a full mortgage report, a cash-flow forecast — and a tax center that maps your categories to Schedule C, keeps a mileage log with business-use percentages, and assembles a year-end packet. Plus an Integrity page that proves transfers net to zero, and a tamper-evident, hash-chained audit log of every change.
KeepFloat for iPhone is a free companion on the App Store: sign in once, approve with Face ID, and handle the money moments that happen away from your desk.
Every AI feature is opt-in behind a master switch, and works with the provider you choose — including a fully local model via Ollama, so even the AI never leaves your machine.
An agentic assistant grounded in your real data through tools — it queries your ledger, never hallucinates a balance, and asks before any guarded action.
Self-hosted, KeepFloat is a program on your own computer with a single database file — no accounts, no analytics, and the only thing that ever leaves is the invoice you choose to send, through your own email. Prefer us to run it? You get your own private copy: an isolated database, encrypted backups, and a full export whenever you want it.
Every copy of KeepFloat is the whole app — nothing held back for a higher plan.
Short, straight answers — the same ones we'd give you over email.
Yes — by architecture, not by promise. KeepFloat is local-first: self-hosted, your books live in a single SQLite file on your own machine, with no accounts, no telemetry, and no server that ever sees a number. If we host a private copy for you, it runs with its own isolated database and encrypted backups — we don't analyze, share, or sell anything in it, and you can export everything and leave anytime. Either way, email is sent through your own Microsoft 365 tenant and PDFs are filed into your own folders.
Yes. KeepFloat imports OFX, QFX, QIF, and CSV with a column mapper and a duplicate-safe merge, so re-importing an overlapping file won't create double entries. That covers exports from Quicken, most banks, and the usual personal-finance apps. It also reads PDF statements — even photographed ones — validates them against the statement's own totals, and remembers each bank's layout so the next statement imports itself.
It sends them. Per-client rate rules and a live preview produce a polished PDF, emailed from your own address. Record the payment and a matching, categorized deposit posts to the right account automatically — your A/R and your bank balance can't drift apart.
A simple desktop install for macOS, Windows, and Linux — no terminal, no setup. Prefer not to self-host? We can run a private instance for you: your own copy with its own database file, never shared. It's not a SaaS — you can take your data and leave anytime. And there's a free iPhone companion on the App Store.
Yes — KeepFloat for iPhone, a free companion on the App Store. Sign in once, approve with Face ID, and capture the things that happen away from your desk: log a trip for the mileage deduction, snap a receipt, deposit a check, log billable work at a client's property, send an invoice, record a payment. It talks only to your own KeepFloat, nobody else's.
It stays yours and stays readable. Everything is in one SQLite file you can back up, copy, or open with standard tools — plus on-demand and scheduled snapshots built in. There's no lock-in and nothing to cancel.
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Thank you — we'll be in touch. In the meantime, the rest of this page is the full tour.
Your money, your invoices, your machine. KeepFloat runs on your own computer — Mac, Windows, or Linux — and answers to no one but you.
