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.
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. One SQLite file on your machine. No accounts, no telemetry, no third party ever sees a number.
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 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.
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.
KeepFloat has no servers, no accounts, no analytics. It is a program on your own computer with a single database file. The only thing that ever leaves your machine is the invoice you choose to send — through your own email.
No tiers, no add-ons, no "available on the Pro plan." This is the app.
Short, straight answers — the same ones we'd give you over email.
Yes — by architecture, not by promise. KeepFloat is local-first: your books live in a single SQLite file on your own machine. There are no accounts, no telemetry, and no server we run that ever sees a number. Email is sent through your own Microsoft 365 tenant, and PDFs are filed into your own folders. Nothing transits a third party.
Yes. KeepFloat imports OFX, QFX, QIF, and CSV — and can even read PDF statements — 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 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.
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.
KeepFloat is getting ready for the public. Leave your email and you'll hear from us the moment it's available — or write to us with a question.
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.
