Show HN: CentProof – Local-first bank statement reconciliation for macOS

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.

Local-first, period Your statements, database, and AI questions stay on your Mac. Direct download for macOS CentProof 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. No bank password. No cloud sync. Local AI by default. The problem Most 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. Your bank statements stay on your Mac. So does the AI. Your statements, database, and AI questions stay on your Mac. Ask questions, clean up merchants, and summarize patterns without sending financial data off your Mac. Statement math is verified before you trust the data. Downloaded from centproof.com, signed and notarized for macOS. Workflow CentProof starts with local PDF statements and ends with searchable, reportable records you can verify. Install the signed and notarized Mac app. Use the statements you already download from your bank. CentProof checks statement math down to the cent. Clean up merchants, entities, categories, and notes. Run local AI queries with source rows shown underneath. Create CSV, JSON, OFX, QFX, and PDF reports from local data. Who it's for If 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. The Privacy Pro If 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. The 1099 Freelancer Drop in statements from every account, tag once with Smart Tagging, and search across years of activity. No cloud sync, no per-seat pricing. The Mac Power User Not Electron. Not a browser tab pretending to be a Mac app. CentProof is a Tauri-built Apple Silicon native binary that respects your machine. The Unsyncable Bank If 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. The Co-Mingled Couple Import 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. Features CentProof is built around PDF import, reconciliation, local AI, source rows, and reports you control. Drop 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. Raw 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. A 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. Detect 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. Compare 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. Trip 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. Direct distribution CentProof 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. Supported banks Current 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. Pricing Launch pricing is built for direct purchase: test with your own statements, then unlock unlimited local use. Try with your own statements. Existing imported data stays accessible. We do not hold your data hostage. Pay once. Use CentProof forever. $29 launch lifetime for the first 30 days Best for privacy-conscious Mac users who prefer owning software. Flexible access. Great if you want to try Pro without the one-time purchase.