Black Flag Guild · Windows desktop app
Your money. Your machine.
Nothing leaves.
Every other budgeting app wants your bank login and fifteen dollars a month. BudgetIQ wants neither. It runs on your computer, and that is the whole of it.
A finance app, not a subscription.
Budgets
Category rollups and month-over-month comparison, so you can see where a number actually came from.
Transactions
Enter them by hand or import a CSV straight from your bank's own export.
Portfolio
Track investment holdings alongside everything else, in the same file.
Tax Planner
Current federal brackets, so you can estimate before the year closes rather than after.
Charts & reporting
Visual breakdowns throughout, drawn from your data and nobody else's model of it.
Excel export
Any view, out to a spreadsheet, whenever you want it somewhere else.
Backup & restore
One JSON file holds everything. Keep a copy somewhere safe.
Themes
Light greige, neutral charcoal, and a pirate mode. Because it's your machine.
The quiet option.
Connecting a budgeting app to your bank means handing a third party standing access to every transaction you make. It is convenient, and it is a lot of trust to extend to a company whose business model you did not read.
BudgetIQ takes the other road. It is a desktop application with no server behind it — no account, no sync, no telemetry, no phone-home version check. That means a little more typing, or a CSV import. It also means there is no breach that can expose your finances, because there is nothing anywhere to breach.
Before you buy.
| Platform | Windows 10 or 11. Signed installer from Black Flag Guild LLC. |
|---|---|
| License | One-time purchase, personal use — your own devices, no subscription. |
| Data | Stored locally. Nothing is transmitted anywhere. |
| Delivery | A .zip containing the installer and a README, downloadable immediately. |
| Version | 1.0.0 |
| Support | crew@blackflagguild.com |
Pay once. Keep it.
Get BudgetIQ — $30
Black Flag Guild · No Quarter for the Ordinary!