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Self-Hosted Accounting Budgeting Personal Finance Expense Tracker Investment Tracking

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Last Updated: 09-13-2026
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WYGIWYH

Track income, recurring expenses, and multi-currency assets with WYGIWYH, a self-hosted personal finance platform built on a strict cash-flow principle that preserves monthly savings while exposing spending patterns. Users can aggregate holdings across checking accounts, physical cash reserves, crypto wallets, and custom asset models with automatic foreign exchange rate calculations. The transaction engine executes automated adjustment rules to normalize merchant names, apply category tags, and calculate split costs on every purchase. Investors can schedule dollar-cost averaging portfolios to monitor accumulation performance and price averages over extended investment horizons. Interactive dashboards provide monthly breakdown grids, calendar views of pending recurring bills, and multi-year net worth trajectories. Financial analysts can export transaction journals to CSV, automate data synchronization through REST webhooks, or query accounts with AI agents via the Model Context Protocol. Customizable notification triggers alert account owners to payment due dates and anomalous spending spikes across monitored accounts. Running on a dedicated VPS on RepoCloud with guaranteed CPU, RAM, and SSD, full root SSH access, and a browser serial console. GNU AGPL v3.0 licensed.

WYGIWYH
WYGIWYH
WYGIWYH
WYGIWYH
WYGIWYH

Benefits

  • Disciplined Cash-Flow Tracking Philosophy
  • Enforce a strict principles-first budgeting methodology that ensures current monthly expenses are funded solely by monthly earnings, protecting accumulated savings from incremental lifestyle creep.
  • Native Multi-Currency and Custom Assets
  • Manage international bank accounts, fiat currencies, and custom cryptocurrencies in one ledger with automated foreign exchange rate updates and localized valuation conversions.
  • Built-In Dollar-Cost Averaging Tracker
  • Monitor recurring asset purchases and stock positions with automated DCA calculations, displaying cost bases and portfolio appreciation without external portfolio spreadsheets.
  • AI-Ready Agentic Financial Tooling
  • Connect automated workflows and external AI assistants directly to financial data using 75 Model Context Protocol tools, enabling natural language spending inquiries and programmatic audits.

Features

  • Multi-Currency Balance Engine
  • Track accounts across global currencies, historical exchange rates, and custom token balances with automated valuation conversions in real time.
  • Automated Transaction Rules Engine
  • Define conditional triggers to automatically classify payees, apply category tags, and clean up transaction descriptions upon ingestion.
  • Dollar-Cost Averaging Portfolio Analytics
  • Calculate average purchase prices and quantity accumulation for recurring investments across stocks, commodities, and cryptocurrency assets.
  • Interactive Financial Calendar Dashboard
  • Visualize upcoming recurring subscription charges, bill deadlines, and salary deposits on interactive monthly calendar and timeline views.
  • Comprehensive Net Worth Trajectory
  • Plot historical asset growth across liquid bank accounts, long-term savings, and investment holdings over multi-year reporting intervals.
  • Model Context Protocol Integration
  • Expose 75 OpenAPI-generated endpoints through an MCP server to enable automated transaction management from AI agents and n8n workflows.