Banktivity is personal finance software for Mac, iPhone, and iPad from IGG Software. It brings bank accounts, cards, loans, and investments together for budgeting and planning.

Key features:

Connect to more than 14,000 banks with Direct Access and download transactions automatically.
Plan spending with envelope budgeting, where unspent money carries over.
Track, categorize, tag, and reconcile transactions, or let transaction templates do it.
Manage stocks, bonds, mutual funds, and retirement accounts with IRR, ROI, and capital gains reports.
Plan for retirement and college with goal tracking tools.
Update all accounts, security prices, and exchange rates at once with Update Everything.

Banktivity runs natively rather than as a web app, syncs with end-to-end encryption, and requires macOS 15.6 or later on the Mac App Store. Plans cost $59.99 (Bronze), $79.99 (Silver), or $99.99 (Gold) a year, with monthly billing also available and a 30-day free trial for new customers.