Principal Plan 5
Envelope Budgeting Software
Only for Mac
Free · In‑App Purchases
Mac
PRINCIPAL PLAN — DESKTOP ENVELOPE BUDGETING FOR MAC
Try every feature free for 60 days—no account, no card, no catch. Love it? Keep it with inexpensive and flexible licensing options.
Principal Plan brings envelope-style budgeting to your Mac so you can give every dollar a job before it is spent. Your data lives in a single local file—no cloud account to create and nothing personal ever transmitted. That means total privacy, instant performance and full control over your money.
CORE WORKFLOW
1. Assign income to envelopes as soon as it arrives, following a forward-looking Allocation Plan that shows how each deposit should be divided.
2. Spend from envelopes in real time. Balances update simultaneously in account and envelope views, so you always know what is safe to spend.
3. Adjust on the fly—move funds between envelopes or accounts with simple transfers and watch totals stay perfectly in sync.
KEY FEATURES
• True envelope budgeting with hierarchical envelopes, negative-balance debt envelopes and watchdog alerts before you overspend.
• Allocation Plan projects bills and paychecks from reusable templates, normalizes them to daily, weekly, monthly or yearly views and tells you exactly how to distribute each incoming dollar.
• Bank import that matches, not mangles—bring in CSV, OFX/QFX or QIF files, avoid duplicates with smart matching and even watch a download folder for automatic imports.
• Multi-tab ledgers keep several account or envelope registers open at once, complete with powerful live filters, quick search and regular-expression find/replace.
• Comprehensive reports: Account Activity, Envelope Summary and Envelope Activity export to CSV, copy to clipboard or print with preview.
• Automatic backups every save, named checkpoints on demand and an archive tool to slim huge files.
• Offline first, cross-platform second—works identically on macOS and Windows; no internet required after installation.
• Twenty account types plus folder-style groups—from Checking and Savings to Crypto, Loans and Gift Cards.
• Templates blueprint recurring income, bills and complex splits; mark any template "In Plan" to feed future-cash projections.
• Reconciliation tools with independent cleared/pending states, statement-matching filters and one-click toggle during check-offs.
• Global search & replace fixes repetitive payee names or codes across filtered lists in seconds.
• Full print/export pipeline—anything you see can be printed, previewed, exported or copied.
• Six interface languages: English, German, Spanish, French, Italian and Portuguese; switch instantly in Settings.
DESIGNED FOR PRIVACY & LONGEVITY
Principal Plan stores everything—budget, transactions, backups—only on your Mac. No log-ins, no web sync, no forced subscription. After your free 60-day trial, choose an affordable one-time or optional periodic license, handled securely through the App Store.
PERFECT FOR
• Households that want envelope clarity without handing data to third-party servers.
• Freelancers tracking both business and personal cash flow.
• Anyone moving from spreadsheets who craves structure and speed.
• Users who need rock-solid offline access—on the road, on a flight or off the grid.
Install Principal Plan today and start telling every dollar where to go—before it slips away.
TERMS OF USE
This app uses Apple's standard Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Ratings & Reviews
- This app hasn’t received enough ratings or reviews to display an overview.
• Work is safer after restarts. If Windows or Mac shuts down or restarts while you still have unsaved changes, Principal Plan recovers them the next time you open the app so your edits aren’t lost.
• Text size is more comfortable. The text-size control is finer-grained, and icons scale with your chosen size so the whole interface stays clear and easy to read.
• Revert is clearer and more reliable. Revert takes you back to the file as it was when you opened it, with a clearer confirmation so you know exactly what you’re undoing.
• A smoother day-to-day experience. Ledger layout is tidier, help is clearer on envelope clearing, and Mac App Store checks are more resilient—so the app feels more polished and dependable.
The developer, Thomsens.net LLC, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Used to Track You
The following data may be used to track you across apps and websites owned by other companies:
- Identifiers
- Usage Data
Data Linked to You
The following data may be collected and linked to your identity:
- Contact Info
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
- Identifiers
- Usage Data
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Thomsens.net LLC
- Size
- 12.3 MB
- Category
- Finance
- Compatibility
Requires macOS 12.0 or later and a Mac with Apple M1 chip or later.
- Mac
Requires macOS 12.0 or later and a Mac with Apple M1 chip or later.
- Mac
- Age Rating
4+
- 4+
- In-App Purchases
Yes
- Principal Plan Annual $19.99
- Principal Plan Monthly $1.99
- Principal Plan Forever $39.99
- Copyright
- Copyright © 2026 Thomsens.net LLC. All rights reserved.
