Your financial digital twin — private & local-first

Keep more of your money.
Grow the rest.

NTROPX is an AI Chief Financial Officer for your personal finances. It builds a complete digital twin of your money — accounts, holdings, tax lots, even your filed returns — and finds what's hiding between them: forgotten subscriptions, fund fees, missed rewards, tax moves no single account can see. All on your computer — your statements never leave it.

Download NTROPX Try the live demo See how it works

Free for 14 days, then $5/month Never asks for your bank passwords Cancel one forgotten subscription and it pays for itself

What it does for you

One tool, two jobs: save you money, and make your money work.

Open the app to a briefing that has already done the analysis: what to act on, what it's worth per year, and what's safe to ignore. Every number comes from your own statements — computed on your machine, explained in plain language.

Spend less

Find the leaks in your spending.

  • Subscription radar. Recurring charges surfaced automatically — including the ones you forgot and the ones quietly creeping up in price.
  • Anomaly alerts. A bill that jumped or a charge that doesn't fit your pattern gets flagged the month it happens, not at tax time.
  • Card rewards optimizer. See which of your cards should pay for what — and the cash back you're leaving on the table by swiping the wrong one.
  • Budget pacing. Warnings arrive while the month can still be fixed, not after it's blown.
  • Debt & interest analysis. What your balances actually cost you, and which one to attack first.
Grow more

Put your money to work.

  • Portfolio checkup. Concentration risk, asset mix, and the fee drag hiding inside your funds' expense ratios.
  • Year-round tax radar. Loss-harvesting candidates in your actual lots, gains about to turn long-term, Roth conversion room, and withholding gaps caught months before the penalty — not at filing time.
  • Employer match check. Whether you're capturing every dollar of free money your 401(k) match offers.
  • Retirement readiness. A 1,000-scenario stress test of your plan, with a plain answer: on track or not, and what changes it.
  • Net worth, benchmarked. Your whole picture over time — assets, debts, and how your investments track the market.

NTROPX never touches your accounts, executes trades, or moves money — it shows you the opportunities in your own data and explains them clearly. Every decision stays yours.

Your bank passwords stay with youNTROPX never asks for or stores bank credentials. It works from statements you download yourself.
Data stays on your deviceYour ledger lives in a database on your computer — never on our servers.
AI on a need-to-know basisOnly redacted, pseudonymized text ever reaches the AI. It never learns who you are.
Leave anytime, keep everythingCancel and your data is still yours, still on your machine, still readable.
The digital twin advantage

The whole picture is the superpower.

Your bank sees your spending. Your broker sees your trades. Your tax software sees one April. The opportunities worth real money hide between them — and every piece you add to your twin switches on detectors that were impossible without it.

Bank & card statementsunlocksDuplicate subscriptions, spending anomalies, and a single "money leaks" number per year
Holdings & trade historyunlocksLoss-harvesting candidates in your actual lots, gains about to turn long-term, fee drag, concentration risk
All your accounts — including IRAsunlocksWash-sale conflicts no single broker can warn you about, because they span institutions
Income & employer matchunlocksUnclaimed match dollars, your true savings rate, and how much room is left in your tax bracket
15 numbers from your 1040unlocksWithholding gaps caught before the penalty, Roth conversion windows, carryforward-aware harvesting

Fifteen numbers from your tax return switch on five new detectors. That's the economics of a complete twin.

Tax season, all year long

Most people think about taxes once a year and leave money behind. Your twin checks continuously: whether withholding is on track for the IRS safe harbor, how much bracket room is open for a Roth conversion, whether long-term gains would be federally tax-free this year — with the actual dollar amounts and deadlines.

Sees what no single broker can

Sell at a loss while a dividend reinvestment quietly rebuys the same fund in your IRA, and that loss is voided forever — and neither broker will warn you, because each sees only its own accounts. Your twin checks every loss against buys anywhere in your household, within the 30-day window.

Ask it real questions

"Can I afford a $30K car?" gets a simulation, not a vibe: your emergency fund and monthly margin before and after, the loan payment, the tax bill if you sold stock instead. Deterministic math computes every number — the AI explains the results and never invents them.

Why trust NTROPX

Built so your finances stay yours.

Other finance apps ask for your bank logins and keep your transactions on their servers — you're trusting their security, forever. NTROPX removes the leap of faith: the software runs on your machine, and your statements never leave it.

Your data stays on your machine

Statements are parsed and stored in an on-device database. They're never uploaded to us, and you can delete everything at any time — it's just files on your computer.

AI that never sees who you are

Before anything reaches the AI, account numbers, balances, and names are stripped out and swapped for pseudonyms. The AI helps categorize your spending — it never learns your identity.

No spreadsheets, no setup

No terminal, no config files, no API keys to manage. Download, sign in with your email, and drag in your statements. NTROPX does the rest.

How it works

From download to clarity in three steps.

Download & open

Pick your platform below and install NTROPX like any other app. It opens in your browser, running entirely on your computer.

Sign in once

Your email unlocks the app and your subscription. That sign-in is the only thing that ever leaves your machine — your financial data doesn't.

Upload & profit from what you learn

Drop in CSV, PDF, Excel, or OFX/QFX statements from any bank or brokerage. Within minutes you have spending leaks flagged, your portfolio checked, and a clear answer to "am I on track?"

Download

Get NTROPX for your computer.

Choose the build for your operating system. Every version is the same full app — your platform just needs its own package.

NTROPX is a desktop app. You appear to be on a phone or tablet. Open this page on your Mac, Windows PC, or Linux computer to download and install it there.
Current version v1.0 · Distributed as a .zip — unzip and open · Free for 14 days, then $5/month

First time opening it? NTROPX is brand-new and not code-signed yet, so macOS will ask you to confirm before it opens — that's expected, not a problem. Just right-click the app → Open. Step-by-step below.

Opening NTROPX the first time (unidentified developer)

NTROPX isn't code-signed yet, so your operating system may warn you the first time you open it. This is expected — here's how to open it anyway. You only need to do this once.

macOS

  1. Unzip the download, then drag NTROPX into your Applications folder.
  2. Right-click (or Control-click) the app and choose Open.
  3. In the dialog, click Open again. macOS remembers this from now on.

Windows

  1. Unzip the folder anywhere (e.g. your Desktop) and run NTROPX.exe.
  2. If SmartScreen appears, click More info → Run anyway.

Linux

  1. Unzip, then run the NTROPX binary (chmod +x NTROPX if needed).
Privacy by design

Where your data goes — and where it doesn't.

Only masked, pseudonymized text is ever sent for AI categorization. The full picture — your accounts, balances, and transactions — stays on your computer.

On your computer

Your ledger & statements

  • Original statement files
  • Every transaction & balance
  • Account names & numbers
  • Net worth & all reports
only redacted, pseudonymized text categories come back
NTROPX relay

The private AI relay

  • Holds the AI key so you don't have to
  • Receives masked descriptions only
  • Returns spending categories
  • Never stores your financial data
Questions

Good things to know before you download.

How does NTROPX actually save me money?
By showing you what's already in your statements: recurring charges you forgot about or that quietly went up, bills that jumped, cash back you'd earn by using a different card in your wallet, fund fees dragging on your portfolio, tax-loss harvesting candidates, and whether you're capturing your full employer match. NTROPX doesn't move your money or make trades — it finds the opportunities and explains them; acting on them is up to you.
Is my financial data actually safe?
Yes. Your statements and transactions live in a database on your own computer — they're never uploaded to NTROPX. The only data that leaves your machine is masked text (with account numbers, balances, and names removed) sent to the AI purely to categorize spending, plus your email for sign-in.
What files can I upload?
CSV, Excel (.xlsx/.xls), PDF, and OFX/QFX/QBO statements from essentially any bank or brokerage — checking, credit cards, and investment accounts (Fidelity, Schwab, Vanguard, and others).
Which download do I pick for my Mac?
Most Macs from 2020 onward are Apple Silicon (M1/M2/M3/M4) — pick that one. If you have an older Intel Mac, choose the Intel build. Not sure? Click the Apple menu → About This Mac: it says either "Apple M…" or "Intel."
Do I have to give NTROPX my tax return?
No — and it never asks for the PDF. You can type in about fifteen key figures from your 1040 (AGI, total tax, withholding, capital gains, and so on) once a year. They're stored only in the database on your computer, and they unlock the year-round tax planner: safe-harbor withholding checks, Roth conversion room, and carryforward-aware loss harvesting. Skip it and everything else still works.
Do I need to be technical or run any code?
No. There's no terminal, no Docker, and no API keys. You download the app, sign in with your email, and drag in your statements — that's the whole setup.
What does it cost?
NTROPX starts with a free 14-day trial — no credit card to begin. After that it's $5/month, tied to your email sign-in, and you can cancel anytime. Even without a subscription the app and all the data you've already imported keep working; only the AI-powered features pause.
Does it work offline?
The ledger, reports, and everything you've already imported work offline. The AI-powered categorization needs a connection, since that's what talks to the relay.
Your turn

This is built for you. Tell me what you think.

NTROPX is made by one independent developer, for the people who actually use it. If you have an idea, a feature you wish existed, or a criticism — good or bad — I want to hear it. It comes straight to me.

No account, no sign-up — just a note. Prefer email? support@ntropx.com

Ready when you are

See what your money's been hiding.

Download NTROPX, drop in your statements, and get a clear, private read on where to save and where to grow. If it finds one forgotten subscription, it's paid for itself.

Download NTROPX