Know where your money goes.
As it happens.

Meli turns credit card alert emails into a private, real-time view of your spending.

Meli runs on your Mac. Send yourself the link.

Download for Mac

Choose AirDrop, or send it to yourself in Messages, Mail or Notes.Send it to yourself in Gmail or Messages, then open it on your Mac.Send it to yourself, then open it on your Mac.Copy the link, then open it on your Mac.

14 days of Pro free. No card required.

  • No bank login
  • No aggregators
  • On your Mac
Will Meli work for you?

Works with these banks.

Meli imports your transactions from the alert emails your bank already sends. No bank login, no Plaid.

Requires a Mac with macOS 14+.

How it works

Up and running in less than 5 minutes

  1. Enable transaction alerts

    Emails from your bank about purchases and refunds.

    What are transaction alerts?

  2. Connect your inbox

    One-click sign-in with Google or Microsoft. IMAP works too.

  3. See your spending

    Purchases appear as the alerts arrive, already categorized.

Real-time spending

Every purchase.
Captured as it happens.

Meli imports supported transactions in real time as their alerts arrive. Your spending stays up to date throughout the day, without manual entry.

Smart Categorization Pro

Your spending, sorted for you.

Meli automatically categorizes purchases as they arrive. Correct it when needed, and your spending picture gets better over time.

  • Today

  • Blue Bottle Coffee

    $7.20
    Dining & Drinks
    9:43 am

  • Netflix

    $17.99
    Subscriptions
    9:42 am

  • Whole Foods

    $72.94
    Groceries
    9:41 am
Your spending, organized.

From every purchase
to the bigger picture.

You’re in control

See why. Correct it once.

Meli explains its category choices and applies them automatically only when confident. Change a category, and Meli remembers your choice for that merchant.

Splits

One charge, more than one category.

Click the scissors to split a purchase. Give each part its own category, amount, and note.

Rules

Rules that run on their own.

Add tags and notes, rename merchants, or assign categories to matching transactions. Set your rules once, and Meli takes care of the repeats.

See what the rules can do

Scheduled Pro

Add the payments Meli can’t see.

Schedule rent and other payments made without a card, and Meli adds each one on its day.

Private by design

Your financial history stays on your Mac.

Meli keeps your emails, transactions, budgets, and spending history on your device, not in the cloud.

  • No bank login, no aggregators
  • Meli processes transaction alert emails on your Mac
Your financial history, at home on your Mac. Example coffee, grocery, and subscription transactions settle into Meli on a Mac. Demo data. Meli This Mac Blue Bottle Coffee Dining & Drinks $7.20 Whole Foods Groceries $72.94 Netflix Subscriptions $17.99
Stored on your Mac
Spending

See what’s behind every number.

Click any category for the purchases behind it, leave yourself a note, and check your budgets by the month or the year.

Overview

Click a category for details.

See the purchases behind any category’s total, then click the next one to compare.

Notes

Remember why.

Add a note to a category’s month, so you know later why it was high.

Budgets

See how each category is doing.

The Budget view shows this month’s spending against each budget. Click a category for the purchases behind it.

Budgets Pro

A bad month isn't a bad year.

A month can run over budget while the year stays on track. Switch to Year to compare what you've spent so far with your budget's pace, then switch back to the month.

Budget planning

Pick your first budget in one click.

Meli looks at your last 12 months in each category and suggests three amounts: Lean to spend less, Standard for a usual month, and Comfortable for room to spare. Click one and see the months it would have been over.

Understand Pro

See how your spending changes.

Pick 3, 6, or 12 months to see your spending over time, then filter to up to 6 categories to compare them side by side.

Simple pricing

Start free. Upgrade when you need more.

Try every Pro feature for 14 days. No card, no automatic charge. Then keep using Meli Lite for free or upgrade to Pro.

Meli Lite

Free forever
Free

Everything you need to start understanding your spending.

  • Automatic transaction tracking from supported alerts
  • Spending insights and budgets
  • Lean, Standard and Comfortable budgets from your past spending. Set up in a minute, no spreadsheet.
  • 3 months of transaction history
  • Up to 5 automation rules
  • Manual and rule-based categorization

Older history stays stored on your Mac.

Meli Pro

14-day Pro trial
$4.99 / month

or $49.99 a year, 2 months free

Let Meli do more of the work for you.

Everything in Lite, plus:

  • Smart Categorization: categorize everyday purchases automatically
  • Complete history: explore all your transactions and insights
  • Unlimited rules: automate repetitive organization
  • Scheduled transactions: add rent and other payments made without a card

Includes Meli AI. You can also use local Ollama or your own AI provider.

Meli Pro Lifetime

Pay once
$119.99

One-time payment, no subscription

Everything in Pro, except Meli AI:

  • Smart Categorization: with local Ollama or your own AI provider
  • Every other Pro feature: complete history, unlimited rules, and scheduled transactions

Meli AI has an ongoing cost for every request, so it comes only with monthly and yearly Pro.

Download for Mac Buy Pro

Try Pro free for 14 days. No card. No automatic charge. Then continue with Lite for free, or upgrade to Pro.

Prices in USD. Monthly and yearly Pro renew until you cancel, and you keep Pro through your paid term. Lifetime is one payment and never renews. Refunds & cancellation terms.

A few good questions

Get to know Meli.

Clear answers before you connect your inbox.

Talk to the developer
Does Meli need my bank password?

No. Meli does not connect to your bank or use a third-party aggregator like Plaid. It imports supported transaction alert emails from the inboxes you connect.

What can Meli access in my inbox?

Gmail and Outlook use read-only OAuth2 access. Other supported providers connect through IMAP. Meli processes supported alerts locally on your Mac.

Where does email processing happen?

On your Mac. Meli reads supported transaction alert emails and extracts transaction details locally, not in the cloud. Optional cloud-based Smart Categorization is separate: if you enable it, the transaction details needed for suggestions are sent to your chosen AI provider.

What types of accounts does Meli support?

Meli currently supports credit card transactions from the supported banks, plus Venmo and PayPal transactions. Debit card transactions and checking or savings accounts aren’t supported yet.

Will it import every transaction?

Meli imports purchases represented by supported alerts in your inbox. Coverage depends on the alerts you enable. It does not read account balances or backfill purchases that never appeared in an email. You can add missing transactions manually; Pro also supports scheduled transactions that repeat automatically.

Does Meli track net worth or account balances?

No. Meli currently tracks spending on credit cards, Venmo, and PayPal. We plan to add net worth and account balance tracking in a future version.

Can I use Meli if my bank is not on the supported list?

Yes. You can add transactions manually and use Meli to organize and understand your spending, but you’ll miss out on automatic imports. If your bank sends transaction alert emails, request bank support so we can work on adding it in a future version.

Does it support Apple Card?

We would love to support Apple Card, but unfortunately Apple doesn’t send transaction alerts via email. We’re currently working on an alternative way to import those transactions.

Does Smart Categorization use cloud AI?

Only if you choose it. Smart Categorization is a Pro feature and starts disabled. Meli AI and remote custom providers process the transaction details needed for suggestions outside your Mac. Choose local Ollama to keep categorization on your Mac. You can review each suggestion or enable high-confidence auto-apply.

What happens after my free trial?

Your first setup starts 14 days of Pro, with no card or Meli account needed. The trial ends without a charge and Meli keeps working free as Lite. Trials are limited to one per person.

What does Lite's three-month history mean?

Lite gives you three months of transaction and insight history. Older data stays stored on your Mac. Pro unlocks your full imported history, unlimited rules, scheduled transactions, and Smart Categorization.

How is Pro Lifetime different from Pro?

Pro Lifetime is a single $119.99 USD payment for every Pro feature except Meli AI. Smart Categorization still works with local Ollama or your own AI provider. Meli AI comes only with monthly and yearly Pro, because each Meli AI request has an ongoing cost.

How do renewal and cancellation work?

Monthly Pro renews at $4.99 USD a month and yearly Pro at $49.99 USD a year until you cancel. Cancel through the customer portal. You keep Pro through your paid term, then return to Lite without deleting your local data. Pro Lifetime is a single payment and never renews. See the refunds and cancellation policy for refund terms.

Which Macs are supported?

Meli requires macOS 14 or later. Optional on-device classification of unfamiliar emails requires compatible Apple silicon, Apple Intelligence enabled, and macOS 26 or later.

Who makes Meli, and is the download signed?

Meli is developed by Futur Labs LLC. Releases are Apple Developer ID signed and notarized by Apple. Learn more about Meli or contact [email protected].

Meli for Mac

A clearer picture starts here.

Try Pro for 14 days. Keep Lite free for as long as you like.

Download for Mac Check your bank

No card or Meli account needed · macOS 14+