Budgeting that never leaves your machine
- Company
- Pulse Browser Inc.
- Best for
- Mac users looking for a private, on-device AI budgeting app.
- Free plan
- 1
- Starting price
- $0
- Details checked
- 28 October 2026
Standout features
- All AI models and ledger data run locally on your Mac without sending questions to online servers.
- Pay-what-you-want pricing where every app feature is included even on the free option.
- Dual-model verification system that double-checks financial calculations before presenting figures.
Best uses
- Managing budgets, cash flow, and financial forecasts locally on a Mac.
- Asking questions in natural language about spending, categories, and recurring subscriptions.
- Importing and reviewing bank statements privately without sharing financial data online.
Pros
- Complete privacy as your ledger, questions, and AI chat stay strictly on your computer.
- No subscription required to use all app features.
- Supports importing bank files in formats such as CSV, Excel, OFX, QIF, and PDF statements.
- Supports 79 country formats and multi-currency accounts without automatic currency conversion.
Cons
- Requires a Mac with Apple Silicon; Intel Macs and Windows are not supported currently.
- Live bank sync is restricted to US banks via Plaid and requires a paid Sync Pass.
- No device-to-device synchronisation for your financial ledger.
- Chat functionality works best in English.
How to use Pulse Local
- Download Pulse Local onto a Mac with Apple Silicon.
- Allow the app to perform its initial download of the local AI models (around 830 MB).
- Import your bank files or connect US bank accounts using Plaid.
- Set your monthly targets, category rules, and budgets.
- Ask spending and budgeting questions directly in the built-in private chat.
Prompts that work well
Category spending
how much did I spend on restaurants in September?
Recurring subscriptions
what are my subscriptions?
Cash flow check
did I save money last month?
Budgeting definitions
what is a sinking fund?
Pricing
| Plan | Price | What you get |
|---|---|---|
| Free | $0 | Access to every feature with no account needed for local mode. |
| Help us build | $20 (US dollars) | One-off payment to help pay for the next release. |
| Keep it going | $40 (US dollars) | One-off payment to support long-term development. |
| Sync Pass | $29 / year (US dollars) | Optional pass for live US bank sync covering up to 3 banks ($8 / year for each extra bank up to 25). |
Prices change often. Always confirm on the official site. We last checked on 28 October 2026.
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