Fully Offline
Zero outbound requests, no telemetry, no CDN, no auto-update. Works with the cable unplugged — don't trust it? Verify with a packet capture.
OUTBOUND REQUESTS: 0
XiaoyaoBill Desktop · Fully Offline
Turn every bill intoinsights you understand.
XiaoyaoBill Desktop is a privacy-first desktop app for personal bill analysis. Drop your Alipay or WeChat bill files into the window — parsing, statistics, and visualization all happen entirely on your machine. Zero outbound requests; your bills never leave your computer. Enable the built-in MCP server, and XiaoyaoClaw can analyze your bills in a single sentence.
XiaoyaoBill Desktop — a privacy-first personal bill analyzer
Annual Overview✦
Monthly✦
Categories✦
Time Patterns✦
Spending Insights✦
Share Poster✦
Transactions✦
Fully Offline✦
MIT Open Source✦
01 · PRIVACY
Bills are your most private data.
They shouldn't leave your computer.
Want to analyze your Alipay or WeChat bills, but worried about uploads and leaks? Most online tools start by asking you to upload the bill file. XiaoyaoBill Desktop moves the entire analysis pipeline onto your computer — it never goes online at all.
Local Persistence
Bills live in your local app data directory — bills/ is the single source of truth. Clean up anytime; uninstalling never wipes them by accident.
DATA: 100% LOCAL
Multi-format Import
Alipay CSV and WeChat CSV/XLSX with automatic source and encoding detection; pick files from a native dialog, or just drag them onto the window.
ALIPAY CSV / WECHAT CSV+XLSX
Recoverable Deletion
Recycle bin, snapshots, and audit logs — three layers of safety, never auto-cleaned. Deleted a bill by mistake? Roll back anytime; every action is traceable.
RECYCLE / SNAPSHOT / AUDIT
Native Desktop
Built with Tauri 2.x + Rust: custom title bar, collapsible sidebar, system tray, single instance, and window-state memory.
TAURI 2.X + RUST
Demo Mode
7,396 built-in demo records let you explore every feature before importing your own bills; all write operations are disabled in demo mode.
7,396 DEMO RECORDS
02 · ANALYSIS
Six dimensions. Every expense explained.
Import a bill and switch between annual, monthly, category, time, insights, and transaction views. Not ready to use your own data? 7,396 demo records are built right in.
Annual Overview
Yearly spending, income, and balance at a glance; 12-month trend, category share, and source breakdown make a year of expenses instantly readable.
Monthly Analysis
Month-over-month changes, daily average, and a spending calendar that flags the days you went over.
Category Analysis
Category share donut, rankings, and drill-downs — food, transport, and shopping each get their exact share.
Time Analysis
24-hour spending distribution, calendar heatmap, weekday-vs-weekend comparison — late-night orders can't hide.
Spending Insights 23
Top merchants, large expenses, latte factor, late-night spending, subscription charges, Engel coefficient… 23 insights that review your habits for you.
Transactions
Full-text search, multi-dimensional filters, pagination — every record traceable and verifiable.
03 · SHARE POSTER
Turn your bill into
a poster worth sharing.
Generate a 1080×1440 portrait poster from your annual or monthly bill in one tap: eight templates, per-item amount toggles, and sensitive numbers you can hide before sharing. Posters are generated on your machine, with the official site QR code built in.
Eight templates, per-amount toggles
Clear Sky, Midnight, Warm Sun, Mint, Sakura, Deep Sea, Latte, and Minimal. Toggle income, balance, and category amounts individually — hide sensitive numbers before you share.
1080×1440 portrait output
Annual and monthly posters are generated entirely on-device, with the official site QR code built in — ready for Instagram, Xiaohongshu, Weibo, or Douyin.
04 · AI AGENT
Connect XiaoyaoClaw.
Analyze your bills in one sentence.
A standard MCP (Model Context Protocol) server is built in. Once enabled, AI agents like XiaoyaoClaw can query, aggregate, and report on your bills in natural language — while your data stays on your machine.
Learn about XiaoyaoClaw →
Also works with Claude Code, Cursor, and any MCP client
STEP 1
Enable MCP in the app
One toggle in Settings, off by default; loopback only.
STEP 2
Copy the config into XiaoyaoClaw
A ready-made JSON config is generated for you.
STEP 3
Test the connection
"Connected · 14 tools" ready to go.
STEP 4
Ask in one sentence
"Analyze my Xiaoyao bills."
STEP 1Enable MCP in the app
One toggle in Settings, off by default; loopback only.
STEP 2Copy the config into XiaoyaoClaw
A ready-made JSON config is generated for you.
STEP 3Test the connection
"Connected · 14 tools" ready to go.
STEP 4Ask in one sentence
"Analyze my Xiaoyao bills."
MCP CONFIG · XIAOYAOCLAW / ANY MCP CLIENT
// Config pasted in STEP 2 (token generated in the app) { "type": "http", "url": "http://127.0.0.1:17650/mcp", "Authorization": "Bearer <YOUR_TOKEN>" }
Standard Streamable HTTP MCP server · Bearer token auth · loopback only
TOOLS
14 MCP Tools
Read ×10: summaries, monthly stats, category stats, merchant rankings, large expenses, subscription detection, insights…
Write ×4: import, delete, snapshot, config — all auditable.
GUARDRAILS
Guarded Writes
Imports accept absolute paths only, ≤16MB per file; deletions go to the recycle bin first; clearing requires a snapshot; demo mode blocks all writes.
SECURITY
Data Stays Local
Listens on 127.0.0.1 loopback only — unreachable from the network; Bearer token auth, resettable anytime; whether to hand it to a model is entirely your call.
05 · BY THE NUMBERS
00
Outbound requests
14
MCP tools
23
Spending insights
7,396
Built-in demo records
06 · DOWNLOAD
Your money has a story.
Read it yourself.
Free and MIT open source. No account, no subscription, no ads — download, install, import a bill, done.
Free
MIT Open Source
No Account
No Ads
Windows 10/11 x64
macOS 11+ Intel / Apple Silicon
~20MB installer
No network required
Already using XiaoyaoClaw? Connect the MCP service →
dtsola
IT Solution Architect · One-Person Company Practitioner
WeChat (note: XiaoyaoBill)
dtsola
Price
Free · MIT Open Source
