Yes. Everything stays on your machine as plain-text files. Nothing is uploaded unless you choose to push your git repo to a remote you control. Run a local model with Ollama and even the AI runs on your device, so nothing leaves your computer.
Yes, with a local model via Ollama. Cloud providers (OpenAI, Anthropic) need a connection, but you can switch to a local model anytime and keep working fully offline.
Yes. Accountant24 is free and open source (MIT), with no subscription. If you use a paid LLM provider you pay them for your own usage; with a local model there’s nothing to pay at all.
Your data is plain-text hledger journal files that you fully own, tracked with git. There’s no proprietary database and no lock-in. If Accountant24 ever went away, your books would still open in hledger.