Every budgeting app wants your bank login and $15 a month. BudgetIQ wants neither.It's a full personal finance application that runs on your machine — budgets, transactions, accounts, portfolio tracking, and tax planning — with no account to create, no bank connection, no subscription, and no data leaving your computer. Ever.What's inside Budget tracking with category rollups and month-over-month comparison Transaction management, with CSV import from your bank Portfolio tracking for investments Tax Planner with current federal brackets Charts and reporting throughout Excel export and full backup/restore Light and dark themes — and a pirate mode, because why not Why one-time purchase. You're buying software, not renting it. Pay once, use it as long as you like, on any device you own. Updates are delivered through your purchase page.Requirements: Windows 10 or 11. Signed installer from Black Flag Guild LLC.Your license key arrives by email within a few minutes of checkout. Every feature works before you enter it — the key just removes the unregistered notice.Additional detailsPlatformWindows 10 / 11LicenseOne-time purchase, personal useData storageLocal only, nothing transmittedDeliverySigned installer + license key by emailVersion1.0.0