Track spending automatically.
Keep your data on your Mac.

Meli turns supported transaction-alert emails from your inbox into a local spending history, with budgets and insights built around it.

Download Meli See supported banks
Starts with a free 14-day Pro trialNo card or account neededmacOS 13.3 or later
A clearer picture, automatically

See where your money went. Skip the spreadsheet.

Meli turns imported alerts into spending, budget, merchant, and trend views—all built from the ledger on your Mac.

Meli · Insights · Spending
Meli Top merchants list showing transaction counts and spending totals
Meli Monthly notes for Dining and Shopping

See what shaped your month.

Automation you can inspect and control.

Meli handles the repetitive work while keeping suggestions, rules, and review controls visible.

Smart Categorization · Pro

AI that shows its work.

Every suggestion includes a confidence score and an explanation. You decide what to apply and what can happen automatically.

  • Approve once, fix every matching transaction
  • Auto-apply only at high confidence
  • Runs on Meli AI, local Ollama, or your own OpenAI-compatible provider
Meli · Smart Categorization · demo data
Suggestions Meli Smart Categorization suggestions for Blue Bottle Coffee, Equinox, and DoorDash with confidence scores
Why this category Meli Smart Categorization explanation showing a Dining and Drinks suggestion with 88 percent confidence
Quick Budget Setup

A budget fitted to how you actually spend.

No calculator, no guesswork. Meli suggests Lean, Standard, and Comfortable targets based on how you spend—you choose what fits.

LeanStandardComfortable
Meli · Quick Budget Setup · demo data
Local-first

Your transaction database stays on your Mac.

Meli stores transactions in a local SQLite database and secrets in the macOS Keychain.

  • No bank credentials or Plaid
  • No account needed
  • Meli runs locally on your Mac
On your Mac
Local SQLite ledgerLocal

Your transaction database remains in Application Support on this Mac.

macOS KeychainDevice-only

Email tokens, IMAP passwords, and AI keys are stored as device-only Keychain items.

Plain-English Rules

Make repeated cleanup automatic.

Create readable rules that automate the boring stuff.

  • Match by merchant or transaction note
  • Categorize, add notes or tags, mark refunds automatically
Meli · Plain-English Rules · demo data
Meli rules automating transaction categories, notes, tags, and refund status
Privacy at a glance

Know exactly what runs where.

Core tracking and planning stay on your Mac. AI is limited to the features you explicitly choose.

Feature Remote AI servicesOpt-in only On-device processingStays on your Mac
Email ParsingSupported bank alerts On-device
Email ClassificationUnfamiliar email review Apple Intelligence
Smart CategorizationSuggestions and explanations Available · opt-in Ollama
InsightsCharts and comparisons On-device
BudgetsPlanning and pace On-device
RulesMatching and actions On-device

Smart Categorization is opt-in. Meli AI and remote custom providers process the transaction details needed for suggestions outside your Mac. Choose Ollama to keep Smart Categorization local.

Start with alerts from banks you already use.

Meli currently supports transaction alerts from seven major U.S. banks, plus PayPal and Venmo.

Supported transaction alerts

Meli reads transaction alerts from these banks and payment services.

  • American Express
  • Bank of America
  • Capital One
  • Chase
  • Citi
  • Discover
  • Wells Fargo
  • PayPal
  • Venmo

Supported email accounts

Meli connects directly to Gmail and Outlook through their APIs, and works with any email provider that supports IMAP. You can connect multiple accounts.

GmailOutlookYahooAOLiCloudFastmail
Pricing

Meli Lite is free.
Meli Pro does the work.

Both plans keep your transaction database on your Mac. Pro adds Smart Categorization, which suggests the right category for each transaction and explains why. You decide what gets applied.

Meli Pro

Free 14-day Pro trial with download

Every transaction categorized before you even open the app.

  • Everything in Meli Lite
  • Smart Categorizationapprove each suggestion, or auto-apply at high confidence
  • Full transaction & insight history
  • Recurring schedules
  • Unlimited transaction rules
  • Meli AI, local Ollama, or your own provider
$59.99 Buy now

Prefer to try first? Download Meli and your free 14-day Pro trial starts automatically. No card needed. When the trial ends, Meli keeps working free as Meli Lite.

Meli Lite

Free

The essentials, categorized by hand.

  • Automatic tracking from supported bank alerts
  • Budgets with Quick Budget Setup
  • On-device email classification on compatible Macs
  • 3-month history — older data stays on your Mac
  • Up to 5 transaction rules
  • You categorize every transaction yourself
Download free

No account needed · Upgrade later without moving your data

Your free Pro trial simply ends after 14 days; it never turns into a charge. If you buy Meli Pro, the subscription renews at $59.99 USD per year unless you cancel before the renewal date through the Lemon Squeezy Customer Portal; access continues through the paid annual period. We do not provide prorated refunds for unused subscription time. See our Refunds & Cancellations Policy.

Still have questions? Check here.

Does Meli need my bank password?

No. Meli never connects to your bank and does not use Plaid or any other aggregators. It reads supported transaction-alert emails from an inbox you authorize.

Which email accounts are supported?

Meli connects to Gmail and Outlook with read-only OAuth2, and to any email provider that supports IMAP. You can connect multiple email accounts.

Does Meli import every transaction?

Meli imports transactions represented by supported alerts in your connected inboxes. Email coverage depends on the alerts you enable; Meli does not read account balances or backfill purchases that never appeared in an alert. You can still add transactions manually, and Meli Pro can generate transactions from recurring schedules.

Where are my transactions stored?

Meli stores transactions in a SQLite database in Application Support on your Mac.

Does Smart Categorization run on my Mac?

Smart Categorization is disabled by default. If you enable it, you choose where the categorization runs:

  • Meli AI: Sends the transaction details needed for suggestions through Meli's AI service to OpenAI. Meli does not store the request or response. OpenAI does not use API data for model training, but may retain it temporarily for abuse monitoring.
  • Ollama: Runs on your Mac, so categorization data stays on your device.
  • Your AI provider: Sends requests directly from your Mac to the OpenAI-compatible service you configure, using your own API key. That provider's privacy policy applies.
Is Meli free, and do I need an account?

No account is needed. Meli Lite is free forever for basic tracking, and Meli Pro adds Smart Categorization, recurring transaction schedules, unlimited rules, and full-history insights. Your first install also starts a free 14-day Pro trial; see "How does the free trial work?" below.

How does the free trial work?

Your first install starts a free 14-day Meli Pro trial automatically after setup. There is no card, no account, and nothing to cancel. When the trial ends, Meli keeps working free as Meli Lite, and you can buy Meli Pro at any time. Trials are limited to one per person.

What happens if I cancel my Meli Pro subscription?

Cancel through the Lemon Squeezy Customer Portal to stop the next annual renewal. You keep Pro through the end of your current paid annual period. After it expires, Meli continues in Lite; your local data is not deleted, and history or rules beyond Lite's limits remain stored. We do not provide prorated refunds for unused subscription time, except where required by law or approved for a billing error or other exceptional circumstance.

How do refunds and billing disputes work?

Review our Refunds & Cancellations Policy, then contact hello@trymeli.app with your Lemon Squeezy order number and purchase email for refund requests, duplicate charges, billing errors, or disputes.

What happens when Meli does not recognize an email?

Parser failures from supported senders appear in a list for your manual review. On compatible Apple-silicon Macs with Apple Intelligence enabled and macOS 26 or later, Meli can also assess unsupported emails and surface likely transactions automatically.

Automatic tracking, without the bank connection.

Download Meli, connect a supported inbox, and let your local spending history build on your Mac.

Download Meli See pricing

Free 14-day Pro trial starts automatically · No card or account needed · macOS 13.3 or later