RockSolid Money™ FAQ

RockSolid Money is a desktop personal finance application for Windows, designed as a modern replacement for Microsoft Money and Quicken. It imports transactions from banks, credit cards, and brokerages, and tracks accounts, budgets, cash flow, investments, and net worth.

It is built and supported by Rock River Research, LLC, and follows the same approach as the rest of the product line: a one-time purchase, data stored on your own machine, and no telemetry.

RockSolid Money is in active development and does not have a public release date yet. It will be distributed through the Microsoft Store like the rest of the Rock River product line. Contact us to be notified at launch.

No. RockSolid Money is a one-time purchase — no subscription, no recurring fees, and no account required.

Windows 10 and Windows 11, 64-bit. See system requirements for details.

In a file on your own computer. There is no cloud sync, no hosted account, and no server holding your transactions.

The application does not send telemetry, analytics, or usage data. Your imported statements, the ledger built from them, and any attached documents stay on your machine.

No. It does not ask for your online banking credentials and does not log in to your accounts on your behalf. You download an export from your bank, credit card, or brokerage and import the file.

This is a deliberate design choice: no third party holds your banking logins, and there is no aggregator relationship between you and your bank.

Yes. The data file can be backed up on demand and restored. Backup status is shown in the application, so a long gap since the last backup is visible rather than forgotten.

Any assistive feature may suggest — a category, a match, a mapping — but never determines financial truth on its own. Every proposed change to the ledger is yours to approve, edit, or reject.

CSV and TSV exports from banks, credit cards, and brokerages, plus OFX, QFX, and QIF. Profiles for major US banks and card issuers ship with the application.

Formats that cannot be recognized are quarantined and explained rather than partially parsed into something that looks plausible but is wrong.

The application proposes a column mapping based on the header names and the shape of the data, and shows you a sample of rows interpreted under that mapping before anything is recorded.

Where the file carries a running balance, the sign convention is proven arithmetically against it rather than guessed. If the arithmetic cannot settle it, you are asked in plain language — for a card, whether a row is a purchase, a payment, or a refund; for a checking account, whether the balance went up or down. Confirm the format once and later files from that institution import against the saved profile.

No. Duplicate detection compares what the file contains against what the ledger already holds, so importing an overlapping statement does not double up transactions.

Anything genuinely ambiguous is surfaced for review rather than resolved silently.

No. Categories, memos, tags, payee overrides, and reconciliation status are yours. A later import may propose a revision to a transaction the bank has restated, but it will be shown for approval rather than applied quietly.

Yes. Each import is recorded and can be rolled back as a unit. If a rollback would discard work you have done since the import, the application tells you rather than proceeding.

QIF and OFX/QFX import are supported, which covers the common export paths out of both applications.

Direct reading of legacy Money and Quicken database files is planned but not available yet.

Yes. Brokerage activity is imported and holdings are tracked lot by lot with cost basis, covering stocks, ETFs, bonds, mutual funds, money-market sweep funds, options, and crypto.

Investment and crypto import are included in both editions. The advanced performance, allocation, and tax reporting built on top of them are Pro features.

Per lot, with FIFO matching by trade date — so a statement imported newest-first cannot close a lot before it opened.

Where a lot's cost basis is unknown, it is reported as unknown rather than as zero. A fabricated zero basis would produce a plausible-looking gain that is entirely wrong, so the application declines to invent one.

Pro produces realized capital gains one line per lot, with long-term and short-term separated as Form 8949 requires, and excludes retirement accounts from taxable gains.

RockSolid Money is not tax software and does not file returns. It produces the figures and the per-lot detail behind them so you or your accountant can work from records that reconcile.

Essentials includes the complete import engine and day-to-day money management: all account types, the register, budgets, cash flow, goals, bills, investments and crypto with cost basis, net worth tracking, and core reports.

Pro adds advanced reporting, tax reporting including per-lot capital gains, investment performance and allocation analysis, and the document vault.

Import accuracy and ledger safety are identical in both. See the full edition comparison.

The rest of the Rock River product line offers a free trial with full functionality before purchase, and we intend to do the same here. Specifics will be confirmed closer to release.

By email, from the developers who build the product — no ticket queues, chatbots, or support tiers. Contact us.