# Groundwork

> A free personal finance app for Windows, macOS and Linux that tracks your whole financial picture, explains it, and has nothing to sell you. It runs on your own computer: no account, no subscription, no ads, no cloud.

Groundwork 2.1.46 is the version offered for download.

## What it does
- Budget against actual spending, from the bank files you already have (CSV, OFX, QFX, QIF)
- Debt payoff planner (snowball and avalanche) with a dated debt-free plan
- Net worth and investments; printable reports; trip planner; Before You Buy purchase check; gift planning
- An AI assistant (2.0) that runs on the computer and answers questions from the person's own records. Every figure in an answer is written by Groundwork; the model only chooses which to show. It says when it does not know.
- Changes to records (filing transactions, import rules, budget lines, recurring bills) only on the person's Yes, with Undo (2.0)
- Voice conversation, recognised on the computer, never sent or kept (2.0)
- Savings goals set aside inside existing accounts, with available balances (2.0)
- Build your own report (2.0): stack sections - monthly totals, a trend, a list, a snapshot, a comparison or a what-if of spending, a category, payees, income, debt payments, debt balances, net worth, recurring charges, bills due or budget room - for a period in plain words, in one of six styles (text and grid, text and charts, charts first, text only, print / PDF, compact); every figure worked out by Groundwork, with AI on or off
- A Health page (2.0): medical bills as the provider sent them, deductible progress as the insurer reports it, a health reserve, HSA and FSA balances, and health spending recorded but never judged; nothing about health leaves the computer

## What it never does
- Move money, pay bills, or delete records; sell a product, show ads, or send financial data to a server
- Send questions to an AI company: there is no cloud AI option

## Pages
- [Home](https://groundworkfinance.app/): what Groundwork is
- [Features](https://groundworkfinance.app/features): every feature
- [What's new in Groundwork 2.0](https://groundworkfinance.app/whats-new): the assistant, Get my accounts (statements fetched from your bank with one press), bills read from the biller, Health, reports and privacy, with video tours
- [Health](https://groundworkfinance.app/health): how the Health page works
- [Privacy](https://groundworkfinance.app/privacy): exactly what leaves the computer, and why
- [Download](https://groundworkfinance.app/download): Windows, macOS, Linux; free
- [Help](https://groundworkfinance.app/knowledge-base): installing and using Groundwork