Silo

Income

$25,847

↑ 12.3% vs prior · 8 txns

Salary$21,200 · 82%

Freelance$3,100 · 12%

Dividends$1,547 · 6%

Expenses

$18,234

↑ 3.1% vs prior · 142 txns

Housing$3,200 · 18%

Shopping$2,340 · 13%

Groceries$1,680 · 9%

Investments

$2,500

9.7% of income · 3 txns

TFSA$1,500 · 60%

RRSP$1,000 · 40%

Net Cash Flow

+$5,113

19.8% saved · target 30%

6mo →$25.8k in · $18.2k out

Income vs Expenses

Spending by Category

Quick View

▶ Personal Tax Calculator

Total Assets

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Total Liabilities

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Net Worth

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Net Worth Over Time

Asset Breakdown

Assets

Liabilities

Net Worth History

All collected data points for the current section. Edit any value to override it — portfolio-derived points show ~ and can be corrected here directly.

manual portfolio today

Date	Source	Net Worth	Del

Spending by Category

Category Budgets

Savings Rateⓘ

Top Merchants

Month-over-Month Change

Cumulative Cash Flow

Portfolio ValueHISTORICAL

Cumulative Invested

Monthly Contributions

Investment Rate

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Projection & Goals

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Investment Transactions

v2.1

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Data & Storage

Save location, backups & recovery

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🔒 Your data is stored locally on this device and is never shared. If you lose this file you lose all your data — keep a backup.

Save Location

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Export & Backup

Session Recovery

Revert all unsaved changes to what was on disk when the app opened. Cannot be undone.

Demo Mode

Scramble all amounts to exaggerated millions for screenshots and demos.

Start Fresh

New Data File

Create a blank financedata.json to start over. You can keep your current file as a backup or delete it permanently.

Cloud Sync

Sync your data across devices — encrypted end-to-end

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Currency

Investment price lookup & display currency

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Display Currency

Investment prices are fetched and shown in this currency. Exchange rates are applied automatically.

Security

App lock, PIN & biometric authentication

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Accounts

Credit cards, bank accounts & balance tracking

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Connected Banks

Link your bank for automatic transaction sync via Plaid

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Connected Brokerages

Link your brokerage for automatic investment sync via Plaid

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Appearance & Features

Theme, UI scaling, business section & tax settings

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Display

Dark Mode

Toggle between dark and light themes.

UI Scale

Adjust the zoom level of the entire interface. Useful for larger monitors or accessibility.

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Business & Tax

Business Section

Track business income, expenses and tax estimates separately from personal finances.

Verified Tax Region

Select your region for verified tax brackets and rates, or use the generic calculator with custom rates.

Where are these transactions from?

Assigning an account helps track balances and organize your finances.

Assign Accounts to Transactions

You have existing transactions that aren't linked to any account. Would you like to organize them now?

Help & Support

Beta Notice — Silo is still under active development and you may encounter bugs or unexpected behavior. If you notice anything unusual or have suggestions, please email silofinanceadmin@gmail.com — your feedback helps us improve.

Importing Your Data

CSV Import — Click + Add Transactions and select your bank statement file. Silo auto-detects columns for date, description, and amount. Supports most major bank export formats.

Paste from Bank — Copy transaction rows directly from your online banking portal and paste them into the text box. Silo will parse the rows automatically.

Manual Entry — Add individual transactions by typing the date, description, amount, and selecting a category. Use the calendar picker or type the date directly.

How to Export CSV from Your Bank

Click your bank below for instructions on downloading your transaction history as a CSV file.

Don't see your bank? Most banks let you export transactions as CSV from their online banking portal. Look for "Download", "Export", or "Transaction History" in your account settings or statements page.

Tip: When exporting, select the longest date range available. Most banks let you download 6-12 months or even a full year in a single file - so you can import years of spending data all at once. The more data you import, the more powerful your analytics become.

Common steps: Log in to your online banking → Go to your account → Find "Statements" or "Transaction History" → Look for a "Download" or "Export" button → Choose CSV format → Select your date range → Download the file → Import it into Silo.

Data Encryption & Security

Your financial data is encrypted using AES-256-GCM — the same standard used by banks and governments. The encryption key is stored securely in your operating system's keychain (macOS Keychain / Windows DPAPI).

Your data file is unreadable without the Silo app on your machine. Even if someone accesses the file, they cannot decrypt it.

Your data never leaves your device. There are no cloud servers, no analytics, and no third-party access. Everything stays local.

Best Practices

Store your data file in a secure location that you'll remember and won't lose access to. Backing up your data file regularly is good practice.

Import statements regularly — weekly or monthly imports keep your data current and make categorization easier with smaller batches.

Set budget targets on the Budgets page to track spending limits per category. Silo will flag when you're approaching or exceeding them.

Use the Export feature periodically to save a plain JSON backup of your data in a secure location.

Questions & Support

Have a question, suggestion, or need help? Reach out to us anytime at silofinanceadmin@gmail.com — we'd love to hear from you.

Add Transactions

Add Asset or Liability

Net Worth History

Add Net Worth Snapshot

What's New

Update Available

Import Investments

Review Holdings Import

Manage Portfolio

Add Account

Where are these transactions from?

Assign Accounts to Transactions

Review Import

Help & Support

Transactions

Welcome to Silo