PathPlanner eliminates your debt with mathematical precision. Sanctum enforces spending accountability by design — not by reminder. Both 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. That conviction also shapes everything we are building toward at institutional scale.
PathPlanner attacks your debt with precision. Sanctum controls your spending by design. Both 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.
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 7.6 months · you save $258 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 not UX choices — they 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.
Both products receive security updates through December 2028. After that, the software continues to function on the version you purchased — you are never forced to upgrade or pay again. We state this in writing, in the legal vault, because we believe companies should make bounded commitments rather than open-ended marketing language.
We believe in being honest about what we are today and what we're working toward. Here's exactly where Pathway Tech stands.
Institutional partners and research collaborators: our full technical narrative, deployment roadmap, and pilot program details are available through Graham Capital Holdings.
PathPlanner builds the strategy. Sanctum executes it month by month. Everything happens on your device.
| Feature | Pathway Tech | YNAB | Monarch | Undebt.it |
|---|---|---|---|---|
| Pricing model | $69 one-time | $109/year | $99/year | $72/year |
| Local-first / no cloud | ✓ Best in class | ✗ 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 | $69 forever | $327 | $297 | $216 |
Pathway Tech is a subsidiary of Graham Capital Holdings. We build financial software on the conviction that the tools handling your most sensitive data should be local-first, privately owned, and structurally rigorous — not subscription-gated, cloud-dependent, or monetized through access to your financial behavior. PathPlanner and Sanctum are the first products. The institutional platform is next.
Pathway Tech operates as a wholly-owned subsidiary. Institutional partnership and research collaboration inquiries are handled through Graham Capital Holdings.
View institutional profile →Product support, licence questions, and general inquiries: support@pathwaytech.co
Institutional and research inquiries: info@grahamholding.com
PathPlanner and Sanctum are available now. One-time purchase. No subscription. 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 · No account required