Managing household finances and personal investments becomes completely private with ezBookkeeping, a self-hosted accounting platform that combines multi-currency ledger tracking, automated bank imports, and AI-assisted receipt analysis into a responsive financial dashboard. Users can record daily income, expenses, and asset transfers using hierarchical two-level accounts and customizable tags, attaching photographic receipts and geographic location coordinates to individual entries. The automated data ingestion engine processes bank statements across standardized CSV, OFX, QIF, CAMT, and MT940 files, applying user-defined column mappings and custom conversion scripts to eliminate manual bookkeeping. Financial planners can schedule recurring bills, configure monthly category spending limits, and track asset distribution with interactive charts, trend graphs, and activity heatmaps in the Insight Explorer. Integrated artificial intelligence tools scan uploaded invoice photos to extract line items automatically while a native Model Context Protocol server lets external desktop assistants query balances and audit budgets safely. Security features include time-based two-factor authentication, single sign-on via standard identity providers, and biometric passkey screen locks that secure private monetary ledgers on shared computers. Account owners can export full audit histories to portable spreadsheets, manage multi-currency exchange rate tables, and access clean web interfaces on both desktop monitors and mobile devices. Running on a dedicated VPS on RepoCloud with guaranteed CPU, RAM, and SSD, full root SSH access, and a browser serial console. MIT licensed.

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.

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.

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.

Allocating every incoming dollar into purposeful spending and savings buckets before transactions occur, OpenBudgeteer gives households complete financial control through a self-hosted zero-based envelope budgeting platform. Users can organize expenditures into customizable bucket hierarchies, grouping everyday living costs, debt repayments, and sinking funds into distinct categories with target balances. Financial planners can import bank statement files via flexible CSV mapping profiles that parse transaction descriptions, clean up merchant strings, and auto-assign records to corresponding expense buckets. The transaction registry provides split-transaction functionality, allowing shoppers to divide a single department store receipt across grocery, household, and clothing envelopes with exact currency precision. Interactive progress bars display bucket health throughout the billing month, signaling when spending velocity threatens allocated limits and calculating suggested contributions for forthcoming paychecks. Advanced forecasting reports plot multi-month net worth trajectories, track category expenditure patterns, and calculate burn rates against long-term retirement and emergency savings goals. Account balances synchronize across multiple physical checking accounts, credit cards, and cash wallets, ensuring total bucket balances reconcile perfectly against real bank reserves. Running on a dedicated VPS on RepoCloud with guaranteed CPU, RAM, and SSD, full root SSH access, and a browser serial console. AGPL v3 licensed.

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.

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.