Sats Stack
Local-first Bitcoin-native personal finance — no cloud, no accounts, no tracking.
Overview
Sats Stack is a cross-platform Flutter app that tracks fiat spending and a Bitcoin stack in the same place. Every transaction, budget and wallet balance lives in a local SQLite database on the device. There are no accounts to create and nothing is uploaded.
The framing is what separates it from an ordinary budgeting app. Alongside income, spending and category budgets, it surfaces a "fiat leak rate" and an inflation cost, and prices each spending category in sats — so a purchase reads as an opportunity cost against the stack rather than just a line item.
Wallets are imported read-only via xpub and synced through Mempool.space. Point the app at a self-hosted Mempool or Esplora node and every wallet sync and price lookup routes through it instead, with an in-app banner showing exactly which servers are being contacted.
What it does
CSV import with auto-categorisation
Imports bank statements with automatic format detection and category assignment, recording the historical BTC price at the time of each transaction.
Read-only xpub wallet sync
Imports BIP44/49/84 extended public keys and syncs balances and history through a Mempool.space Esplora endpoint. It never holds keys and cannot spend.
Fiat leak rate dashboard
Monthly income, spending and surplus alongside inflation cost, with a per-wallet breakdown when several wallets are active.
Budgets priced in opportunity cost
Per-category monthly budgets that also show what each category cost in sats, warning at 80% and alerting past 100%.
Stack chart and DCA simulator
Plots cumulative sats over 1M/3M/6M/1Y/All ranges and models future growth against a savings goal with a projected completion date.
Self-hosted node routing
Configuring a custom Mempool or Esplora server routes all wallet sync and price data exclusively through it, contacting no third-party servers.
Local AI insights
Generates a monthly spending insight and offers a chat screen against a locally running Ollama model on desktop.
Analytics and full data export
Spending pie charts, a six-month income-vs-spending trend, year-to-date summary, CSV export, and SQLite database export and import.
Screenshots
Under the hood
- Flutter (Dart SDK ≥ 3.7)
- Drift 2.23 — type-safe reactive SQLite
- fl_chart 0.71
- go_router 16
- pointycastle 4.0, bs58check, bech32
- Mempool.space Esplora, CoinGecko price fallback
- Ollama over HTTP, local or self-hosted
- macOS, Windows, Linux, iOS, Android
- GPL-3.0
Status
The app is feature-complete and has a full marketing site, but there is no published build yet — no GitHub release and no store listing. Running it today means building from source.