01
Every account, in its own currency.
Dollars, euros, pounds. See the original amounts and their real conversion in one budget, with frozen historical exchange rates.
Multi-currency from the start
Coming soon on Windows, macOS and Linux
Free 30-day trial · Windows, macOS, Linux
Your money, in order.
Your money, in order.
In all your currencies.
An envelope for every plan. Every account in its own currency.
Everything on your computer, with no subscription and no bank connection.
30-day free trial at launch · No card, no account
30 days free · No card, no account
One place to see the whole picture
EnsobreSaved on your computer
Many currencies. One budget.Your data stays with you.Pay once. It’s yours.
Less noise. More clarity.
Made for your money.
And your real life.
You earn in one currency and spend in another. You want a simple plan, without handing over your data.
02
Your information is yours.
No bank connection, no account, no telemetry. Your budget lives on your computer, and you decide where to keep a copy.
Private by design03
Start with five envelopes.
Housing, Food, Transport, Fun and Savings. Simple Mode helps you get started, and you move to the full set of categories only when you ask.
At your pace, no overwhelmLess effort, more control
From your bank
to your envelopes.
Import what you already have, log what you spend and give your money a job.
CSVExcelOFX / QFXQIFYNAB
Ensobre in actionRecorded in the app
Ensobre finds the columns, suggests envelopes and flags duplicates before anything is saved.
Log an expense in a few keystrokes. The envelope balance updates right away.
Assign money to your envelopes and see what is left to plan.
Free tool
Clean up your bank statement
Drop your bank's file and get a clean table as CSV. It runs in your browser; your file never leaves your computer.
The whole picture
Everything in its place.
From the first transaction to your month at a glance. No switching apps or currencies.
No mental mathEvery transaction.
Every transaction.
Both currencies.
See what you spent in the account’s currency and its equivalent in your base currency. Reports keep the historical exchange rate.
Update exchange rates when you ask for it, or let Ensobre do it once a day if you turn that on.
Bring what you already haveMessy files.
Messy files.
A clear start.
Ensobre finds the header row and the columns on its own, even with title rows or separate debit and credit columns, and shows a preview before importing anything.
CSV, Excel, OFX, QFX, QIF and your YNAB export.
Less guessing, better decisionsSee where
See where
your money goes.
Where the money went, income vs. spending, and how your balance moves over time. All in the reference currency you choose.
Your numbers, with the context you need.
Your budget, under your control
One file. Your computer.
No fine print.
The .ensobre format is open and documented. Copy your data and export it whenever you want, even if you stop using the app.
Choose with the full picture
The differences,
on the table.
An honest comparison, not a marketing table. Checked September 2026, with every claim sourced.
| What matters | Ensobre. | YNAB | Actual Budget | Buckets | Monarch Money |
|---|---|---|---|---|---|
| Price | $39once | $109/yr | Free / donation | $64 once | $99.99–199/yr |
| Native multi-currency (real conversion) | Yes, built-in | No — one currency per budget | No — experimental only, not on 2026 roadmap | Not confirmed | Limited |
| Data lives on your disk | Yes, one file | No (cloud) | Yes | Yes | No (cloud) |
| Simple / low-overwhelm mode | Yes, 5 categories | No | No | No | No |
| Bank connection | Never, by design | Optional (core of the product) | Optional | Optional | Optional (core of the product) |
| Mobile app | Early development | Yes | Yes | Yes, view-only for now | Yes |
| Sync without your own server | v1: manual file copy | Yes (their cloud) | Needs its own or a hosted sync server | Limited | Yes (their cloud) |
| Open, documented file format | Yes (SQLite container, public spec) | No | Yes (open source) | Not documented | No |
Swipe sideways to see YNAB, Actual, Buckets and Monarch →
Sources: YNAB pricing · Monarch pricing · Actual multi-currency docs · Actual 2026 roadmap · Buckets. Prices in USD, checked September 2026.
When Ensobre is not the right choice
- You want free forever and don’t mind some setup: Actual Budget is open source and genuinely local-first; syncing between devices needs your own or a hosted server.
- You need automatic bank feeds and real-time categorization today: Ensobre imports CSV, Excel, OFX, QFX and QIF, but there’s no live bank API. If that’s a dealbreaker, YNAB or Monarch do it out of the box.
- You need a mobile app right now: Ensobre v1 is desktop-only. Buckets and the cloud apps already have mobile clients.
- You want investment tracking or full business accounting: that’s explicitly out of scope for Ensobre. Look at Moneydance or a dedicated accounting tool.
Sounds right? Try it freeSounds right? Get notified at launch
One purchase. No subscription.
Your money already has
enough expenses.
Try everything free for 30 days. No credit card, no account, no commitment.
If you don’t buy, the app becomes read-only. Your data stays yours and you can always export it.
One priceEverything included
$39USD
One payment. No monthly bills.
Online checkout opens in the next few days; until then the free trial has everything.
Launching very soon, with a 30-day free trial.
- All features included, no tiers
- One license for your whole household: up to 3 computers
- 30-day free trial, no card required
- Free updates within v1.x
Check the box to enable the Buy button.
- 14-day money-back guarantee, no questions asked.
- Payment processed by Paddle, our reseller: they handle the checkout, taxes and invoice.
- YNAB costs US$109 a year (YNAB pricing, checked September 2026); Ensobre pays for itself in under 5 months.
- What Ensobre doesn’t do: no bank connection and no phone app. Read the FAQ before buying.
Before you start
Your questions,
answered.
Straight answers before you trust a new app with your finances.
Where does my data actually live?
In a single .ensobre file on your own disk (older versions used .arca; those still open too). That file is a standard SQLite database in a small container (an 8-byte header, or a 49-byte one plus encryption if you set a password) — the full format is publicly documented, nothing proprietary, nothing hidden. You can copy that file anywhere: a USB drive, your own Dropbox, an external disk. Ensobre doesn’t host anything and doesn’t know where you keep your copies.
What happens if development stops?
Your data was never locked in to begin with. Because the file format is documented and it’s an SQLite database inside, you (or anyone) can read it without Ensobre installed: without a password, just strip its 8-byte header; with one, the documented format explains how to decrypt it (Argon2id + AES-256-GCM). Easier still: export it from Ensobre as a plain SQLite file. You can also export everything at any point, as CSV or as a plain SQLite file, no strings attached.
Does it sync between devices?
Not automatically, and not through any Ensobre-run server — that would break the “no account, ever” promise. You can keep your budget file in a folder you already sync yourself (your own Dropbox, iCloud Drive, OneDrive or Syncthing) and open it from each computer: Ensobre saves atomically, won’t open the same file twice on one computer, and if the file changed elsewhere it asks before overwriting. Close it on one computer before opening it on another: sync services don’t pass that lock between computers. It isn’t real-time sync, and Ensobre will never operate or bill you for a sync server of its own.
Can I use it on several computers?
Yes, with one license for up to 3 computers in your household. In v1 you share the file by hand or through a folder you sync yourself. Close it on one computer before opening it on another: it is not real-time sync.
Is there a mobile app?
Not in v1. Ensobre launches as a desktop app for Windows, macOS and Linux first, because that’s where the core budgeting workflow — importing statements, mapping columns, assigning envelopes — actually happens. A companion mobile app for quick expense capture is a possible v2, syncing through a folder you control, never through a company server.
Is my bank supported?
Ensobre doesn’t connect to any bank API — that’s a deliberate choice, not a missing feature. Instead, you export a statement from your bank (CSV, Excel, OFX, QFX or QIF; many banks offer at least one in online banking) and drag it in. A column-mapping wizard with live preview handles banks that don’t fit the common formats (if your bank only gives PDFs, you can enter transactions by hand or with quick add), and duplicate detection is always reviewed by you before anything is confirmed — nothing gets silently discarded.
Does it need the internet?
Your budget runs on your computer. Ensobre goes online to activate your license and about once a month to check it (without internet it keeps working), to look for a new version when it opens (you can turn that off), and to update exchange rates when you press the button or if you turn on automatic updates. It never uploads your budget and sends no telemetry. Where exchange rates come from.
Download Ensobre
Free for 30 days with every feature. No account, no card, no email required.
Download for your computer
- Windows 10 and 11 .exe installer
- macOS (Apple silicon and Intel) .dmg
- Linux .AppImage · .deb
Your computer shows a warning when installing?
Ensobre is new and its installers aren’t signed with a paid certificate yet, so your system asks you to confirm. Updates are signed and verified by the app itself.
- Windows: if SmartScreen appears, click “More info”, then “Run anyway”.
- macOS: open the app once, then go to System Settings → Privacy & Security and click “Open Anyway”.
Coming soon
Stay in the loop
A little order.
Lots of peace of mind.
Get the launch email
One email on launch day, with the download and the 30-day free trial. No spam: news goes on this site and in the app, never by email. And tell us what your current app gets wrong: real answers decide what we build next.
One email, the launch one. No spam: news goes on this site and in the app’s What’s new screen, never by email. And tell us what your current app gets wrong: real answers decide what we build next.
Windows · macOS · Linux