{"slug": "show-hn-centproof-local-first-bank-statement-reconciliation-for-macos", "title": "Show HN: CentProof – Local-first bank statement reconciliation for macOS", "summary": "CentProof launched a local-first macOS app for bank statement reconciliation that processes PDF statements entirely on the user's machine without requiring bank passwords or cloud sync. The Tauri-built Apple Silicon native app reads statements from major banks, verifies math to the cent, and runs a 3-billion-parameter AI locally to answer money questions — keeping all financial data, database, and AI queries on the Mac.", "body_md": "## Local-first, period\n\nYour statements, database, and AI questions stay on your Mac.\n\nDirect download for macOS\n\nCentProof reads the PDF statements your bank already gives you, reconciles to the cent, and answers your money questions — all on your Mac, never in someone else's cloud.\n\nNo bank password. No cloud sync. Local AI by default.\n\nThe problem\n\nMost personal finance tools keep moving more of your financial history away from your Mac. CentProof takes a quieter path: you import the PDF statements you already download, and the app does the work locally.\n\nYour bank statements stay on your Mac. So does the AI.\n\nYour statements, database, and AI questions stay on your Mac.\n\nAsk questions, clean up merchants, and summarize patterns without sending financial data off your Mac.\n\nStatement math is verified before you trust the data.\n\nDownloaded from centproof.com, signed and notarized for macOS.\n\nWorkflow\n\nCentProof starts with local PDF statements and ends with searchable, reportable records you can verify.\n\nInstall the signed and notarized Mac app.\n\nUse the statements you already download from your bank.\n\nCentProof checks statement math down to the cent.\n\nClean up merchants, entities, categories, and notes.\n\nRun local AI queries with source rows shown underneath.\n\nCreate CSV, JSON, OFX, QFX, and PDF reports from local data.\n\nWho it's for\n\nIf you've ever closed a finance app because it wanted your bank password, broke on your credit union, or felt like an Electron tab pretending to be a Mac app — you're who CentProof is built for.\n\nThe Privacy Pro\n\nIf a 'connect your bank' button is a hard no for you, CentProof never asks. It works from the same PDF statements you already download for taxes.\n\nThe 1099 Freelancer\n\nDrop in statements from every account, tag once with Smart Tagging, and search across years of activity. No cloud sync, no per-seat pricing.\n\nThe Mac Power User\n\nNot Electron. Not a browser tab pretending to be a Mac app. CentProof is a Tauri-built Apple Silicon native binary that respects your machine.\n\nThe Unsyncable Bank\n\nIf your bank doesn't sync reliably with mainstream finance apps, CentProof works directly from the PDF — and you keep the same workflow whether your bank is Chase or a regional credit union.\n\nThe Co-Mingled Couple\n\nImport statements from both partners' accounts on one Mac. Tag transactions by entity (Joint / Mine / Partner's) and run settlement reports without paying for every member separately.\n\nFeatures\n\nCentProof is built around PDF import, reconciliation, local AI, source rows, and reports you control.\n\nDrop in the same PDF statements you already download for taxes. CentProof reads BofA, Chase, Citi, Apple Card, Amex, Discover, Capital One, US Bank, and Wells Fargo — then reconciles each statement against its own opening and closing balance. Math is verified before you trust the data.\n\nRaw bank descriptions like 'AMZN MKTP US*4F8H2' are hostile to humans. CentProof's Smart Tagging learns 'AMZN MKTP' means Amazon — and applies it to next month's slightly-different string automatically. You stay in control of the final approval.\n\nA 3-billion-parameter AI runs natively on Apple Silicon. Zero cloud calls to OpenAI or Anthropic. Ask 'how much did I spend on groceries last quarter' and CentProof returns the answer with source rows so you can check the math.\n\nDetect repeating charges across imported statement history — merchant, cadence, and amount changes. Spot subscription price hikes, annual-fee bumps, and that one streaming service you've been paying for since 2022.\n\nCompare any two periods and CentProof shows which merchants or categories drove the difference — with source rows. Useful for catching new subscriptions, unusual spending, and the 'wait, why was the credit card bill higher this month' moment.\n\nTrip reports, settlement reports, search exports — plus universal CSV, OFX, QFX, JSON, and PDF outputs. Your data lives in a local SQLite database. If CentProof goes away tomorrow, your history is yours forever.\n\nDirect distribution\n\nCentProof is a local-first Mac app with a local AI model, local database, and fast bank-parser updates. Direct distribution lets us ship a private, signed, notarized app with direct support and same-day parser updates.\n\nSupported banks\n\nCurrent support covers major US banks and cards. New parsers are written from one redacted sample statement — if your bank is missing, you can move it to the top of the queue.\n\nPricing\n\nLaunch pricing is built for direct purchase: test with your own statements, then unlock unlimited local use.\n\nTry with your own statements.\n\nExisting imported data stays accessible. We do not hold your data hostage.\n\nPay once. Use CentProof forever.\n\n$29 launch lifetime for the first 30 days\n\nBest for privacy-conscious Mac users who prefer owning software.\n\nFlexible access.\n\nGreat if you want to try Pro without the one-time purchase.", "url": "https://wpnews.pro/news/show-hn-centproof-local-first-bank-statement-reconciliation-for-macos", "canonical_source": "https://centproof.com", "published_at": "2026-06-05 05:31:45+00:00", "updated_at": "2026-06-05 05:46:19.819999+00:00", "lang": "en", "topics": ["ai-products", "ai-tools", "ai-startups"], "entities": ["CentProof", "macOS", "Apple"], "alternates": {"html": "https://wpnews.pro/news/show-hn-centproof-local-first-bank-statement-reconciliation-for-macos", "markdown": "https://wpnews.pro/news/show-hn-centproof-local-first-bank-statement-reconciliation-for-macos.md", "text": "https://wpnews.pro/news/show-hn-centproof-local-first-bank-statement-reconciliation-for-macos.txt", "jsonld": "https://wpnews.pro/news/show-hn-centproof-local-first-bank-statement-reconciliation-for-macos.jsonld"}}