Budget, bank accounts, credit cards, loans and yearly bills in one place, with a month-by-month forecast. Runs on your computer, fully private: no internet, no sign-up and no subscription.
You enter it once. The program spreads out the installments, adds up the months and shows the result. The screens below use sample data.
Income, bills and everyday spending, with what's left updated with every entry.
Add your accounts and watch each balance update on its own with every payment received, expense or bill paid.
Enter an installment purchase once and the installments show up in the right months.
Every kind of debt calculated correctly, down to the last installment.
See the years ahead: the month each debt ends, how much more you'll have from then on and which months will be tight.
Assets and savings minus debts, in a single number.
The license is made for your computer. That's why activation has one extra step.
On Stripe's secure page, with the button below. If you have a Brazilian bank account, you can also pay with Pix.
With the name that will appear on the license.
You get the installer link. When you open it, it shows your computer's code. Send us that code.
You get the temporary license, with all features, and paste it into the program. Done. After the 7-day cancellation period, the permanent license arrives, and it never expires: paste it the same way.
While you wait for the license, you can already explore the demo with sample data. The license is sent within 1 business day after you send the computer code.
Pay by credit or debit card on Stripe's secure page. Your bank converts the amount to your currency. After paying, message us on WhatsApp to receive the program.
WhatsApp: —
Have a Brazilian bank account? You can also pay with Pix: R$ —.
Payee: OS CAPITAL LTDA
CNPJ 59.437.693/0001-27
The license is sent after the payment shows up in the account. We never ask for passwords, verification codes or access to your computer.
| System | Windows 10 or 11, 64-bit |
|---|---|
| Processor | 64-bit, 2 GHz |
| Memory | 4 GB |
| Disk space | 500 MB |
| Internet | Only to download the installer |
| Mac, phone or tablet | No version: it runs on your computer so your data stays with you |
| Use | Personal, 1 computer, non-transferable |
|---|---|
| Validity | Lifetime (10-day temporary license at purchase; the permanent one arrives after the 7-day cancellation period, at no cost) |
| Changing computers | Free reissue within 90 days; after that, US$ 6 |
| Technical support | 90 days: defects, installation and license |
| Cancellation | Up to 7 days, full refund |
| Resale | Prohibited |
So your finances stay with you: the program works without internet, sign-up or cloud, and your data never leaves your computer. On a big screen you see the month, your cards and your debt forecast at a glance. It runs on a desktop or laptop with Windows 10 or 11 (64-bit); there is no Mac or phone version.
Yes. Add each account (bank, savings, cash in your wallet) with today's balance. When you receive money, pay or enter an expense, you choose the account and the balance updates on its own. You can also transfer between accounts and see each month's statement. The program doesn't connect to your bank and never asks for passwords.
The first time you open the program, you choose US dollars (US$), Paraguayan guaraní (₲) or Brazilian reais (R$). You can change it later in Your brand.
No. You pay once and the license is for life.
Only to download the installer. After that, the program works offline.
That's normal for programs from independent developers. Click “More info” and then “Run anyway”.
Each license is for one computer. For another one, buy an additional license.
Make a backup first (Backup button). Then send the new computer code and the license is reissued: free in the first 90 days and US$ 6 after that.
For the first 90 days, in writing: fixing program defects, help installing and activating the license, and license reissue. It doesn't include teaching how to use the features, training, help entering your data, video calls, remote access or problems with your computer or Windows. To learn how to use it, the program has the Help screen and the demo with sample data.
Yes. Add it as “Loan with no fixed payment, with monthly interest” (the rate can be zero) and record each payment with the amount you paid.
No. It shows whether your budget, debts and emergency fund are ready for you to think about investing, but it doesn't recommend products or give advice. The decisions are yours.
You can cancel within 7 days and get a full refund through the same payment method.
At purchase you get a temporary license, with all features, valid for 10 days. After the 7-day cancellation period, we send the permanent license, at no cost, through the same WhatsApp chat. You paste it the same way and your data stays there. The program warns you before the temporary license expires.
PERSONAL FINANCE MANAGER — version 1.4
Developed by OS Solution
Licensor: the company that owns the OS Solution brand, OS CAPITAL LTDA (Brazil), identified (legal name, registration number and address) in the listing and on the purchase receipt.
Licensee: the person who purchased the license, identified by the name and order number recorded in the license code.
By installing, activating or using the program, the Licensee confirms having read and accepted this agreement.
This agreement grants a license to use the Personal Finance Manager program. The program is licensed, not sold. All copyrights belong to the Licensor and are protected by Brazilian Law 9,609/1998 and by international copyright treaties.
The license is personal, non-transferable, non-exclusive, with no expiration date (lifetime) and valid for a single computer, identified by the code generated at activation. The license is delivered in two steps: at purchase, the Licensee receives a temporary license, with all features, valid for at least 10 days, with the expiration date shown in the program; after the cancellation period (clause 12), the Licensor sends the permanent license through the same channel used for the purchase, at no additional cost. The program warns before expiration. If the temporary license expires before the permanent one is activated, the program stops saving until it is activated, without deleting the data already saved; just ask for the permanent license through the purchase channel.
You may not: resell, sublicense, rent, lend, assign or distribute the program or the license code; publish the installer or the license code on websites, groups or networks; copy, decompile, modify or circumvent the license protection, or remove the authorship notice; use the program on more than one computer at the same time without an additional license. Breach of these rights terminates the license with no right to a refund, without prejudice to any applicable legal action.
The license code contains the Licensee's name, the order number and the code of the authorized computer. The name and order appear in the program and on reports, which makes it possible to identify copies distributed without authorization.
If the computer is reformatted or replaced, the Licensee may request a reissue of the license through the purchase channel, providing the new computer code. Reissue is free during the technical validity period and, after it, is subject to the fee stated in the sales channel. The previous license is no longer authorized.
The technical validity period of this version is 90 days from the date of purchase. During this period, the Licensor provides, at no additional cost, only the technical services related to the program working: fixing program defects, guidance on installing and activating the license, and reissuing the license, in writing, through the purchase channel. Not included: teaching how to use the program's features, training, help entering or organizing data, phone or video support, remote access to the computer, and problems with the computer, Windows or other programs. To learn how to use it, the program offers the Help screen and the demo with sample data. After this period, the Licensee keeps the right to use the program; support and license reissue are offered when available, subject to the fee stated in the sales channel.
The program runs on 64-bit Windows 10 or 11. It does not run on Mac, phones or tablets. The Licensor is not responsible for malfunctions caused by an incompatible system, viruses, hardware failure or modification of the program by third parties.
Entries are stored only on the Licensee's computer, in the Documents folder. The program does not connect to the internet and the Licensor does not collect or access any information entered. The program makes automatic daily copies on the computer itself; keeping copies elsewhere (USB drive or cloud) is the Licensee's responsibility.
The program is a tool for organizing personal finances. It is not financial, accounting or investment advice, planning or recommendation. Budgets, indicators, forecasts, account balances and net worth figures are estimates calculated from the amounts entered by the Licensee, with no future increases or inflation and no interest beyond the rates the Licensee enters, and are not an appraisal of assets. The financial health indicator is educational: it does not recommend products, securities or investment strategies and does not replace a profile assessment by a licensed professional. The program does not connect to banks: account balances are calculated only from the Licensee's entries and do not replace a bank statement. Calculations should be checked against official statements and contracts. Financial decisions are the Licensee's own.
The logo and name entered in "Your brand" are the Licensee's responsibility, and the Licensee declares having the right to use them.
The Licensor is liable for defects in the program under applicable consumer protection law. The Licensor is not liable for loss of data without a backup, use contrary to this agreement, or decisions made based on the information entered by the Licensee.
The Licensee may cancel the purchase within 7 calendar days and receive a full refund. With the refund, the license is canceled, the permanent license is not issued (the temporary license expires on the date shown and is not renewed) and the Licensee must uninstall the program; use after the refund is unlicensed use.
Fixes for defects in the purchased version are free during the technical validity period. New versions with additional features may require a new license.
The license ends upon refund or breach of this agreement. Once the license ends, the Licensee must uninstall the program.
This agreement is governed by Brazilian law, without prejudice to the mandatory rights granted to the Licensee by the consumer protection laws of the Licensee's country of residence. Where the Licensee is a consumer, claims may be brought in the courts of the Licensee's place of residence.
Third-party components: Electron and Chart.js (MIT license), TweetNaCl-js (public domain).
A tool for organizing personal finances. Forecasts and indicators are estimates based on the amounts you enter, with no increases or inflation. It is not financial or investment advice.
