Quill reads your PDF bank statements, auto-categorizes every transaction, tracks debt payoff, flags subscriptions, and lets an honest AI advisor tell you exactly where your money is going.
One-time $29 purchase. No subscription. No cloud. Your data stays on your machine.
They charge monthly. They need your bank login. They keep disconnecting. And their "AI insights" are just pie charts with a caption.
YNAB, Copilot, Monarch, Quicken - all monthly fees, forever. You're paying $14-20/month just to see your own data. Over 5 years, that's $1,000+ for an app you don't even own.
They connect via Plaid or MX, which expire, fail silently, or get blocked when your bank updates their security. You log in on a Sunday to check your budget and find 3 weeks of missing data.
Every transaction you've ever made - stored in their cloud. You hand over read access to your bank account to a company whose entire business model depends on aggregating your financial data.
Freelancers and small business owners either pay for two separate apps, manually filter everything, or just give up and hand a spreadsheet to their accountant. There's no clean separation that actually works.
A colored bar chart and "You spent 12% more on dining this month." That's not insight - that's arithmetic. No app actually lets an AI dig into your real data, ask it questions, and get honest answers.
Tax season arrives and you're exporting CSVs that your accountant can barely use. No QuickBooks-compatible format, no personal/business split, no P&L. You end up doing the work twice anyway.
No bank login required. No cloud. No subscription - ever. Your data stays on your machine, your AI uses your own key, and your accountant gets a QuickBooks file in one click.
Keep your PDFs wherever you like - Downloads, iCloud, a folder on your desktop. Tell Quill where to look once, and it auto-syncs whenever a new statement shows up. No bank login. No manual uploads. Nothing breaks.
Ask Quill anything about your real numbers. It will never flatter you - only give you the facts from your actual statements, with specific amounts and dates.
When local parsing can't verify totals, AI reconciles the numbers and flags any discrepancies - so you know every dollar was captured.
Ask "when did my finances get bad?" or "what did I overspend on in Q3?" - answered with your real transactions, not generic advice.
Knows avalanche vs snowball, nonprofit credit counseling (NFCC), and warns you about predatory "debt relief" firms that charge 15-25% fees.
Quill connects to the AI provider of your choice using your own API key. You control the cost, the model, and the data. Quill never charges separately for AI - you pay your provider directly, only for what you use.
Income vs expenses, top spending categories, possible double charges, high-utilization alerts, and upcoming subscriptions - all in one view.
Set your monthly budget. Quill computes avalanche vs snowball payoff timelines, total interest saved, and your months-to-debt-free date.
Auto-detects recurring charges. Flags price increases. Shows cancel links for every major service. Watches for zombie charges after you cancel.
Zombie watchdogSwitch between Personal and Business in one click. View income and expenses by month, quarter, or year. Export a CPA-ready P&L CSV. Excludes debt payments so the numbers reflect your real operating picture.
Full-text search across all merchants and details. Right-click any transaction to re-categorize, move between Personal/Business, or flag it.
Quill watches your Bank Statements folder and shows a banner the moment it detects a new PDF you haven't imported yet.
Every sync backs up your database automatically. One click to restore any previous state. Manual edits and notes always survive re-imports.
Each statement gets a Verified badge when Quill's captured totals match the statement's own stated totals - so you know the parse was exact.
Hand your accountant exactly what they need. Quill exports a CPA-format CSV, a QuickBooks .QBO bank feed file per account, and a full P&L summary - all scoped to Business-only so your personal finances stay private.
Quill runs entirely on your Mac or PC. No accounts. No sync servers. No telemetry. Your PDFs and transaction data live in a local SQLite database that only you can access.
AI features are optional and only activate when you add an API key. Even then, only the parsed transaction text is sent - never your PDF files.
No subscription. No renewal. No price hike. No account. Just Quill, forever.
No subscription, no account, no cloud - ever.
Drop in your first statement. See everything. Takes 30 seconds.