Personal Finance Desktop App

Budget by paycheck,
not by month.

When you get paid every two weeks, a monthly budget is useless. Mugove organizes every bill and dollar of income around your actual pay schedule, so you always know what's coming before it hits.

Buy Mugove — $49 See what's included
Menu
Dashboard
Pages
Expenses
Income
Accounts
Credit Cards
Loans
Tools
Write Checks
CC Paydown

Dashboard — Jun 5 – Jul 2, 2026

Balance
$4,210
This Period
-$1,340
Income
$2,800
After
$5,670
Jun 5 – 11 Surplus $380
Rent$1,200
Electric$95
Car Payment$420
Jun 12 – 18 Short $140
Insurance$220
Groceries$180

Monthly budgets don't match how people actually get paid.

Most budgeting tools think in calendar months. But your rent, your car payment, your subscriptions, and your paycheck don't all line up on the first of the month.

Mugove builds your plan around your pay periods. Every bill gets assigned to the paycheck it falls under, so you can see at a glance whether you'll be short or sitting on a surplus before the money even arrives.

Every other app: monthly view
Week 1
Week 2
Week 3
Month

You see totals but not timing. You're already overdrawn.

Mugove: pay-period view
Pay 1
Bills 1
Pay 2
Bills 2

You see exactly which bills hit between which paychecks.

Everything your finances need.
Nothing you don't.

Mugove covers the full picture without forcing you into a monthly subscription to see it.

📅

Pay-Period Planning Engine

Tell Mugove your payday schedule and it builds a rolling financial plan that assigns every bill to the paycheck it falls under. Weekly, bi-weekly, or monthly.

💳

Credit Cards with APR

Track every card's balance, limit, APR, due date, and statement date. Visual usage bars show where you stand at a glance.

📉

CC Paydown Calculator

Enter your extra monthly budget and choose Avalanche (highest APR first) or Snowball (lowest balance first). See exactly when each card is paid off and how much interest you save.

🏦

Loans and BNPL

Track traditional loans alongside Buy Now Pay Later splits from Klarna, AfterPay, and others. Mark installments paid and watch your balance update automatically.

✍️

Home Check Writer

Write, preview, and print real paper checks from your desk. Fully customisable layout: drag fields anywhere, hide what your check stock already has printed, and load your signature.

📊

Expenses, Income, and Accounts

Track recurring and one-off expenses with exact due dates. Multiple income sources at any frequency. Bank balances feed directly into your running plan projections.

🔒

Your data lives on your machine. Full stop.

No accounts. No cloud sync. No server that can be breached. Mugove stores everything in a single SQLite file on your computer. Back it up anywhere you like. Your financial life is yours, not ours.

No account required
No subscription
No cloud storage
Works offline

One purchase. All three platforms.

Download runs on Linux, Windows, and macOS. Your license covers all of them.

🐧
Linux
Ubuntu, Mint, Fedora, Arch
🪟
Windows
Windows 10 and 11
🍎
macOS
Intel and Apple Silicon

Simple, honest pricing.

One price. No tiers. No upsells. No "premium" features locked behind a wall.

One-Time Purchase
$49
Pay once. Use forever.
✓ Full desktop app for Linux, Windows, and macOS
✓ Pay-period planning engine (weekly, bi-weekly, monthly)
✓ Expenses, income, credit cards, loans, BNPL tracking
✓ Credit card paydown calculator
✓ Home check writer with signature support
✓ 100% offline, no account needed
✓ 1 year of free updates included
Buy Mugove — $49

Secure checkout via Stripe

Questions

Is this really a one-time payment?

Yes. $49, once. No monthly fees, no annual renewal, no paywalled features. You own the software.

Where does my data go?

Nowhere. Everything is stored in a SQLite database file on your own machine. Mugove never connects to any server.

Do I get updates?

Yes, your purchase includes 1 year of free updates. Download any new version released within 12 months of your purchase date.

Which operating systems are supported?

Linux (Ubuntu, Mint, Fedora, Arch, and others), Windows 10/11, and macOS (both Intel and Apple Silicon).

What is a pay-period plan?

Instead of grouping bills by calendar month, Mugove groups them by your payday. Each paycheck becomes a "period" with the bills that fall due before the next one arrives.

Can I back up my data?

Absolutely. Your entire financial history is in a single file at ~/.config/Mugove/mugove.db. Copy it anywhere.

Stop guessing. Start knowing.

Join the people who finally have a budget that works with their paycheck, not against it.

Buy Mugove — $49

One-time payment • All platforms • No account needed