Show HN: Maali – Privacy-first personal finance app with a local AI analyst

I never felt comfortable signing up for cloud budgeting apps and having them store all of my financial data on their servers. I also didn't find locally hosted options that I liked using.<p>That led me to build Maali (<a href="https://maali.app" rel="nofollow">https://maali.app</a>) over the past year. It is currently a Mac and Windows app that lets you track spending, budgets, recurring bills, income, net worth, and more. It stores all of your data on your computer.<p>You can bring your data in by either manually importing bank statement files (CSV/PDF), or by using SimpleFIN, a third-party bridge that you set up once and it keeps your data in sync. Since SimpleFIN introduces a third party that moves your data, I also added a power-user feature where Maali watches a folder (per account) and imports files dropped there, so you can automate downloads however you like and keep everything local.<p>It also has an optional AI analyst (local Gemma 4 E4B model) that provides commentary on your spending and flags anything unusual about your finances.<p>I realize that mobile is a big part of convenience for people. Maali lets you set up a phone web app over your own Tailscale network, paired by QR code. I'm also close to launching iOS/Android mobile apps that keep data in sync between the desktop/mobile apps using end-to-end encryption. My goal is to provide a great user experience with maximum convenience without sacrificing privacy.<p>The full app is free to use for 30 days (no card/signup needed). After that, if you find it useful and want to continue using it, it's $99 one-time. There's a live demo on the site (<a href="https://maali.app/today" rel="nofollow">https://maali.app/today</a>) with synthetic data so you can get a feel for it. Would love to hear any feedback that you have.