PathPlanner calculates your way out of debt. Sanctum holds you accountable to the plan. Capsule gives business owners a financial operating system. All three run entirely on your device — no subscriptions, no cloud, no one watching.
Most financial software asks for your trust.
We built ours so you never have to give it.
Your data never leaves your device. Your PIN is never stored. Your purchase is permanent. PathPlanner and Sanctum are built on a single conviction: that software handling sensitive financial decisions should be rigorous, private, and owned — not rented, not surveilled, not dependent on a company staying in business.
PathPlanner calculates your way out of personal debt. Sanctum holds you accountable to the plan. Capsule gives business owners a financial operating system. All three live entirely on your device — no accounts, no cloud, no ongoing cost.
Most debt apps show you a balance. PathPlanner shows you a strategy — the exact payoff order, monthly payments, and debt-free date that minimizes your total interest. Every calculation happens on your device. Nothing leaves.
Sanctum doesn't send you reminders. It requires a structured monthly review before you can access your dashboard — because accountability built into structure works. Your vault is AES-256 encrypted, PIN-locked, and entirely offline.
Capsule is a Business Financial Operating System. It answers the three questions every business owner faces week to week: Can I afford this? What should I do next? And how long can I survive — or safely invest? Entirely on your device. No subscription. No cloud.
Export your debt payoff strategy from PathPlanner — Sanctum imports it as a live budget target and tracks whether your actual spending supports your debt-free date. The two products are designed to work together, or independently. Either way, no subscription required.
vs YNAB: bundle breaks even in 13 months · you save $208 over 3 years
PathPlanner and Sanctum are one-time purchases. No renewal. No price increases. No cancellation. Software that handles your financial life should not require an ongoing relationship with the company that made it. You buy it once. It's yours.
Both products compute entirely on-device. Your transactions, debts, and budgets are encrypted on your device and never transmitted — not because we haven't built a backend, but because we decided not to. A breach of Pathway Tech infrastructure cannot expose your financial data. We don't have it.
Sanctum's Monthly Close cannot be skipped. PathPlanner's Smart Hybrid strategy cannot be gamed with loose estimates. These are deliberate constraints. The research on financial behavior change is clear: systems that require accountability outperform systems that encourage it.
PathPlanner exports your debt payoff plan as a .pathplan file. Sanctum reads it natively and turns it into a live monthly budget target. Your strategy and your spending tracker stay in sync — without a server, without an account, without anything leaving your device.
Sanctum's PIN is never stored — not on your device, not on our servers. If you forget it, there is no recovery path. This is intentional. It means Pathway Tech cannot be compelled to unlock your vault. It means no server compromise can expose your financial life. The tradeoff is explicit: you keep encrypted backups. We keep nothing.
The software is yours permanently — no renewals, no forced upgrades, ever. Security updates are committed through at least 2028.
PathPlanner builds the strategy. Sanctum executes it month by month. Everything happens on your device.
| Feature | Pathway Tech | YNAB | Monarch | Undebt.it |
|---|---|---|---|---|
| Pricing model | $119 one-time | $109/year | $99/year | $72/year |
| Local-first / no cloud | ✓ | ✗ Cloud only | ✗ Cloud only | ✗ Cloud only |
| No account required | ✓ | ✗ | ✗ | ✗ |
| Tri-strategy payoff engine | ✓ + Smart Hybrid | ⚠ Basic | ✗ | ⚠ 2 strategies |
| Mandatory Monthly Close | ✓ Unique feature | ✗ | ✗ | ✗ |
| Strategy → budget sync | ✓ .pathplan | ✗ | ✗ | ✗ |
| Amortization CSV export | ✓ | ✓ | ✗ | ✓ |
| Recurring transactions | ✓ | ✓ | ✓ | ✗ |
| AES-256 encryption | ✓ Local key | ⚠ Server-side | ⚠ Server-side | ✗ |
| 3-year total cost | $119 forever | $327 | $297 | $216 |
"I've spent years working through capital structures and financial models professionally. When I looked for personal finance software that treated users with the same rigor — no subscription rent, no company holding your data hostage, no dashboard designed to upsell you — I kept coming up empty. So I built it."— Michael Graham, Founder & CEO
Pathway Tech is not backed by venture capital. There is no growth team trying to inflate your MRR or re-engage you with push notifications. This is founder-operated software — which means the incentives are aligned with yours: build something so good people are glad they paid once, and trust it for years.
Graham Capital Holdings is an active operation — I run financial models for real decisions every week. Capsule's Decision Engine and 90-Day Forecast aren't theoretical. They're the tools I wished I had, rebuilt from scratch for the browser, encrypted on your device.
PathPlanner and Sanctum are available now — one-time purchase, no subscription. Capsule, the Business Financial OS for founders, is in Founder Launch at $499. No cloud. No company watching your transactions. If you're ready to take your finances seriously — this is the software built for that.
3 debts free in PathPlanner · 3 transactions free in Sanctum · Capsule Founder Launch — first 100 customers