Renewlet is a self-hosted subscription ledger that shows exactly what your recurring services cost each month and warns you before every renewal, so no charge lands unannounced again. Record each subscription once with its price, currency, billing cycle, renewal date, payment method, and notes, and the dashboard keeps the monthly and yearly totals current, compares them against a budget you set, and converts between currencies. Reminders go out in each user's own time zone through Telegram, Discord, email, webhooks, and six more channels, with repeat reminders, delivery history, and retries when a send fails. Adding subscriptions takes seconds: point the AI recognition at a bill screenshot, a note, or a pasted table and it drafts the entries for your review, or import data from Wallos and other exports. Every subscription can join a shared calendar feed or publish its own ICS feed, and a public status page can show your stack with prices hidden. Accounts are protected with authenticator codes, recovery codes, and passkey sign-in. A read-only public API lets CLI tools and Shortcuts query your subscriptions, and the whole app runs in a single Docker container or on Cloudflare Workers. Running on a dedicated VPS on RepoCloud with guaranteed CPU, RAM, and SSD, full root SSH access, and a browser serial console. MIT licensed.

Track every recurring payment you have, from streaming services to SaaS tools, and get AI-powered recommendations on where to cut costs. Wallos manages subscriptions with automatic due date reminders delivered through email, Discord, Telegram, Pushover, Gotify, or custom webhooks so renewal charges never catch you off guard. Multi-currency support handles international subscriptions while the Fixer API converts everything to your primary currency for unified budget visibility. The statistics dashboard breaks down monthly and yearly spending by customizable categories, revealing consumption patterns and highlighting savings opportunities. AI analysis via ChatGPT, Gemini, or a locally-hosted Ollama instance reviews your subscription portfolio and suggests alternatives or consolidation strategies. Logo search automatically fetches brand imagery so your subscription list stays visually organized without manual uploads. Authentication supports OIDC with OAuth for enterprise environments, and the mobile-responsive interface works on any device with customizable themes and multi-language support. The PHP 8.3 application with SQLite backend runs from a single Docker container (bellamy/wallos image) with two persistent volumes for database and logos on port 8282. Deploy on RepoCloud with a dedicated VPS, keeping all financial data private under the GPL-3.0 license.

Your bank balance is only part of what you own, and MoneyMatter adds the rest: cash accounts, brokerage portfolios, cars, loans, and private deals roll into one net worth figure in your base currency. Add transactions by hand, import CSV, OFX, QFX, YNAB, Wallet, or Microsoft Money files, or let an AI model you provide parse a statement, while Monobank, SimpleFIN, Lunch Flow, and Walutomat connections sync accounts automatically. Each transaction can carry categories, tags, payees, notes, attachments, and splits, transfers and refunds link to their counterparts, and automation rules tidy new entries. Envelope-style budgets assign money to lines with Assigned, Activity, and Available columns and rollover rules, savings goals read progress from account balances, subscriptions and bills send reminders, and loans show payoff projections. Stocks, ETFs, and crypto are priced daily, vehicles depreciate along a curve, and a FIRE planner estimates years to Lean, Regular, Fat, Barista, and Coast FIRE. A customizable dashboard, cash flow, money flow, net worth history, trends comparison, and pivot table chart the results. Share accounts with a household member, export JSON, CSV, or XLSX, back up everything, or connect Claude, ChatGPT, or Claude Code through the built-in MCP server. Running on a dedicated VPS on RepoCloud with guaranteed CPU, RAM, and SSD, full root SSH access, and a browser serial console. AGPL-3.0 licensed.

After the bills are covered, how much is actually safe to spend? monetr organizes an entire budgeting application around that one question. Inspired by the defunct Simple bank, it budgets paycheck by paycheck rather than month by month. Funding schedules encode when you get paid - including multiple schedules per account and a weekend-exclusion option for deposits that land early - and every expense or savings goal is tied to one. monetr then calculates how much of each recurring obligation (rent, car payment, subscriptions, on any repeat interval) to set aside from each paycheck, so a large bill never has to come out of a single check. What remains after allocations is surfaced as Free-To-Use, and a forecasting timeline projects contributions, due dates, and leftover funds forward so low-balance periods are visible before they happen. Transactions arrive either as OFX uploads from your bank or automatically through a Plaid connection using your own API credentials, keeping balances and transactions synced without manual entry. The app is mobile-friendly and installable as a PWA on desktop or phone. Self-hosting via Docker Compose is completely free, with all source code public and your financial data on your own hardware.

Securo is a privacy-first personal finance platform that keeps all your financial data in your own PostgreSQL instance while connecting to 2,500+ banks across three continents for automated transaction sync. The FastAPI backend with React/TypeScript frontend deploys via Docker Compose on ports 3000 and 8000, with Redis-backed Celery workers handling background synchronization. Bank connections span approximately 2,500 European PSD2 institutions through Enable Banking across 29 countries, US and international banks via SimpleFIN's open protocol, and Brazilian banks through Pluggy, all refreshing automatically every four hours. Multi-account management tracks checking, savings, credit cards, and investments with running balances. The auto-categorization rules engine applies pattern-matching across merchants and amounts. Goal tracking monitors savings targets with progress visualization, asset management handles stocks and custom instruments with configurable valuation growth rules, and reports generate Net Worth and Income vs Expenses charts with category sparklines. Optional AI Agents provide LLM chat with tool-use over your financial data through MCP, supporting OpenAI, Anthropic, Ollama, and compatible providers with per-agent RAG knowledge bases accessible via a global command palette. Multi-user support includes OIDC login, passkey authentication, TOTP two-factor, privacy mode, and multi-currency FX conversion via Open Exchange Rates. 1,500+ stars since March 2026. Running on a dedicated VPS on RepoCloud with guaranteed CPU, RAM, and SSD, full root SSH access, and a browser serial console. AGPL-3.0 licensed.

Log a date, amount, and category; get a clean monthly pie chart and a cashflow strip showing income, expenses, and net balance - ExpenseOwl is expense tracking stripped to what actually matters. The MIT-licensed Go application deliberately is not a budgeting system - no envelopes, no accounts, no double-entry, no bank sync - because its author found tools like Firefly III and Actual too heavy for the simple question "where did this month's money go?" The dashboard makes that question fast: click a pie slice to exclude fixed costs like rent and see discretionary spending clearly, then drill into a chronological table view to inspect or delete individual transactions. Recurring transactions handle salaries and subscriptions automatically, optional tags add a second classification axis, and settings cover custom categories, currency symbol, and a configurable month start date for non-calendar pay cycles. CSV import migrates data from virtually any other tool, and CSV export keeps your data portable. It ships as a self-contained binary and multi-architecture Docker image with zero internet interaction, stores data in flat JSON files by default (PostgreSQL optional), and installs as a PWA on phones. Single-user by design; pair it with an authenticating reverse proxy if exposed publicly.

Ditch the spreadsheet for good: Whisper Money is a privacy-first personal finance app you host yourself to see exactly where your money goes, without your data being sold or profiled for ads. Connect multiple bank accounts in one place, fill them by hand or CSV import, and watch transactions categorize themselves automatically. Automation rules handle the repetitive sorting: rent, subscriptions, and transfers land in the right buckets every time. Brokers and exchanges including Indexa Capital, Coinbase, Binance, Bitpanda, Wise, and Interactive Brokers connect with your own API keys, so investments sit beside everyday spending. Optional open banking through EnableBanking can pull a year of movements and keep them current, and it stays switched off until you configure it. AI features suggest categories and rules and summarize your stats reports, and you choose the provider: Gemini by default, or OpenAI, Anthropic, Groq, DeepSeek, Mistral, any OpenAI-compatible endpoint, or a local Ollama server so nothing leaves your infrastructure. Spending pattern insights turn raw transactions into an honest picture of your habits, month after month. Running on a dedicated VPS on RepoCloud with guaranteed CPU, RAM, and SSD, full root SSH access, and a browser serial console. CC BY-NC 4.0 licensed.

Ocular provides a modern personal finance workspace that plots your household income and expenditures across multi-year horizons to eliminate surprises in annual budgeting. Users can define custom income streams, configure recurring fixed obligations like rent and utilities, and allocate discretionary spending allowances into designated category groups. Interactive Sankey diagrams and cumulative balance curves visualize projected net savings trajectories, signaling upcoming cash crunches months in advance. The annual planning matrix breaks down monthly figures across twelve periods, calculates automatic net savings, and highlights active fiscal cycles. Keyboard shortcuts accelerate data entry with inline arithmetic expression evaluation directly inside currency cells. Built-in multi-currency conversion and localization settings allow international households and remote professionals to manage diverse revenue streams effortlessly. A dedicated privacy mode masks sensitive monetary amounts when working in public spaces, while complete ledgers export cleanly as portable JSON archives. Running on a dedicated VPS on RepoCloud with guaranteed CPU, RAM, and SSD, full root SSH access, and a browser serial console. MIT licensed.

Every unit of income gets a job in Actual Budget - a local-first personal finance app built on envelope (zero-sum) budgeting, where you can only budget cash you actually have, which keeps the plan honest by construction. The data model is a SQLite file that lives on your device and works fully offline; the self-hosted Node.js sync server adds background multi-device synchronization using CRDT-based distributed-systems machinery, browser and mobile access as an installable web app, and automated backups. Optional end-to-end encryption makes the synced data unreadable even to the server hosting it. Transactions enter three ways: manual entry, file import (CSV, QIF, OFX, QFX, CAMT.053), or automatic bank syncing through GoCardless for EU/UK banks and SimpleFIN for US/Canada. Built-in YNAB4 and nYNAB importers migrate complete budget histories, and reports, schedules for recurring transactions, and rule-based transaction cleanup handle the day-to-day. A fully featured local API lets developers script custom importers and automation against their own data. 100% free, open source, and 26k stars strong.

With over 24,000 GitHub stars and active development since 2014, Firefly III is the self-hosted personal finance manager that gives you complete control over your financial data without ever contacting external servers. The double-entry bookkeeping system tracks every transaction with source and destination accounts, ensuring accurate balance calculations and audit trails across checking, savings, credit card, cash, and asset accounts. Budget management sets monthly spending limits by category with visual progress tracking and rollover support for unused allocations. Rule-based transaction automation applies categorization, tags, and budget assignments automatically based on configurable conditions matching description, amount, source, and destination patterns. Recurring transactions schedule regular bills, subscriptions, and income entries with automatic creation on configured dates. Piggy banks divide savings accounts into virtual sub-accounts for goal tracking with target amounts and deadlines. Financial reports include income versus expense summaries, budget performance charts, category breakdowns, tag reports, and net worth tracking with weekly, monthly, and yearly time ranges. Multi-currency support handles any currency with configurable exchange rates for international finance tracking. The REST JSON API covers nearly every feature for integration with external tools, import utilities, and the companion Firefly III Data Importer for bank statement processing. Two-factor authentication provides account security. Self-hosting deploys via Docker containers or directly on PHP 8.5+ with MySQL or PostgreSQL. Running on a dedicated VPS on RepoCloud with guaranteed CPU, RAM, and SSD, full root SSH access, and a browser serial console. AGPL-3.0 licensed.

A plain text journal is all Paisa needs to put your net worth, cash flow, expenses, and investment returns on one set of dashboards. Write entries in the built-in editor. It brings syntax highlighting, auto completion, error checking, and auto formatting to double-entry journals. Bank and credit card statements in CSV, Excel, or PDF import through reusable templates that categorize every transaction. Price providers track mutual funds, NPS holdings, and stocks. Manual prices revalue a house, a car, or a plot of land. Budgets set a limit for each category and track spending against it. Allocation targets show how far a debt and equity split has drifted. Goals compute a completion date from monthly savings. The retirement planner works from a safe withdrawal rate and yearly expenses. A calendar marks recurring bills as cleared, late, past due, or upcoming, and Liabilities pages cover credit cards, loan repayment, and interest. Live Sheets calculate taxes and EMIs from ledger data. Journals and settings stay in plain text files that can be version controlled or shared, and ledger, hledger, and beancount are all supported. Running on a dedicated VPS on RepoCloud with guaranteed CPU, RAM, and SSD, full root SSH access, and a browser serial console. AGPL-3.0-or-later licensed.

Roughly $1M of development work, open-sourced: Maybe Finance began as a $249/year commercial personal finance product before the company released it all. It aggregates bank accounts, credit cards, loans, investments, crypto, and real estate into a single net worth dashboard with historical trend charts - replacing the spreadsheet that usually glues a whole portfolio together. Transactions are categorized and tagged with rules, with merchant tracking and search across imported or synced activity; budgets track spending by category against plan; and the investment view follows holdings, cost basis, and returns across brokerage accounts. Multi-currency support converts accounts held in different currencies into a single reporting currency, bank synchronization works through Plaid where supported, and manual CSV import covers any institution. An optional AI assistant answers questions grounded in your own financial data. Because the app was built as a paid product with professional design before being open-sourced, its interface quality exceeds most community finance tools - and self-hosting means your balances and transactions are not monetized by a free app or gated behind an annual subscription. The stack is Ruby on Rails with Hotwire on PostgreSQL, licensed AGPL-3.0 and deployed via Docker. The original repository is archived; development continues in the community fork Sure, compatible with the same self-hosted setup.

"Stupid simple software" is the entire philosophy at DumbWare.io, and DumbBudget delivers it: no over-engineering, no complexity, no accounts, no bank connections - just a clean, modern ledger for money in and money out. Log income and expenses, assign categories, and watch real-time balance calculations update as you type. Finding transactions is quick: filter by type, narrow by date range, sort by date or amount. When tax season or spreadsheet analysis calls, everything exports to CSV. Access control matches the philosophy - a single PIN (set via one environment variable) gates the app, backed by real security engineering: rate limiting on PIN attempts, temporary lockout after failures, secure session handling, and no sensitive data in browser storage. Multi-currency support covers the ISO codes, and a SITE_TITLE variable names each instance - deliberately useful, because running separate instances per account or family member is the intended pattern for multi-user needs. The responsive UI ships light and dark themes and installs as a PWA on phones, where expense logging actually happens. Configuration is five environment variables; data persists in one folder. If Actual Budget and Firefly III feel like accounting software, this is the notepad that gets used. GPL-licensed.

Budget Board is an open-source personal finance dashboard built to replace Mint by unifying checking accounts, credit cards, property assets, monthly category budgets, and long-term savings goals under your own roof. Households can connect their financial institutions through SimpleFIN for North American banks or LunchFlow for international accounts so balances and daily transactions sync automatically on a configurable schedule. If you prefer offline statement management, the bulk CSV importer parses custom date and amount formats while mapping rows directly to your accounts. Once transactions arrive, you can train the built-in machine learning auto-categorizer on your historical spending with a customizable confidence threshold, or define deterministic rules that match merchant descriptions, dates, and amounts. Monthly budget cards track hierarchical parent and child categories against spending limits, and the goals workspace calculates progress toward paying down debt or building an emergency fund. Interactive trends charts let you filter cash flow, net worth, and category breakdowns across custom date ranges and accounts. Multi-user households can secure their financial records with local two-factor authentication or external OpenID Connect single sign-on, alongside localized date and currency formatting in English, German, French, and Simplified Chinese. Running on a dedicated VPS on RepoCloud with guaranteed CPU, RAM, and SSD, full root SSH access, and a browser serial console. AGPL-3.0 licensed.

PayMe is a privacy-first personal finance dashboard that runs entirely on your own hardware with zero third-party service dependencies. The Rust backend compiled to a single binary serves a React 19 frontend built with Vite, TypeScript, and Tailwind CSS 4, storing all financial data in a local SQLite database that auto-migrates on startup. Monthly dashboards track income entries, fixed expenses like mortgage and utilities, and budget categories with real-time progress bars showing spending against configurable limits. The savings module includes goal tracking with percentage-based progress indicators, custom savings goals for targeted objectives, retirement savings projections with breakdown analysis, and projected savings calculations. Variance analysis compares actual spending against budgets across categories. Drag-and-drop reordering powered by dnd-kit lets you arrange income sources, expenses, and budget items to match your workflow. The interactive charts rendered by Recharts visualize spending trends, income patterns, and savings trajectories. Month-by-month navigation tracks financial history over time, while the Summary and Stats views aggregate data across periods. JWT-based authentication secures access, and the full OpenAPI Swagger documentation at the /swagger-ui endpoint exposes every API route for automation and integration. Docker Compose deployment creates a minimal image with the compiled Rust binary and static frontend assets, running on port 3001 behind nginx, Caddy, or Traefik reverse proxy with HTTPS. On RepoCloud, deploy PayMe on a dedicated VPS with persistent SQLite storage, root SSH access, and complete privacy over your household financial data, all under the MIT license.

If your money is split across a bank app, a brokerage portal, and a half-abandoned spreadsheet, YAFFA, a self-hosted personal finance application, gathers it into one ledger with budgets, scheduled transactions, and forecasts. Record withdrawals, deposits, and transfers across unlimited accounts, and split a single supermarket receipt across categories so it lands in both Food and Household. Suggestions surface your most-used accounts and payees, and each payee's default category fills in automatically. Define rent, salary, or a loan payment once as a scheduled transaction; it appears on the dashboard calendar, enters with one action or records itself, and feeds the forecast. Import bank history from CSV or QIF files with rules for country- and bank-specific formats, and review every row before it is recorded. Optional AI document processing turns a receipt, invoice, or forwarded email into a draft transaction with payee, date, amount, and line items, using your own OpenAI or Gemini key and self-hosted Tesseract OCR for images. Accounts in different currencies roll up into your default currency using daily rates from the free Frankfurter service. Investments track gain and loss, with optional daily prices from Alpha Vantage. The dashboard summarizes accounts and upcoming schedules, the cash flow report can look ahead with a forecast, and Find Transactions filters history by payee, category, tag, or date. Running on a dedicated VPS on RepoCloud with guaranteed CPU, RAM, and SSD, full root SSH access, and a browser serial console. MIT licensed.