| What it does | Open-source budget tracker and personal finance app
| The all-in-one personal finance dashboard combining envelope budgeting, expense tracking, and portfolio management
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| Stage | Not given
| MVP
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| Founded | Not given
| 2020
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| Based in | Not given
| DE
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| Pricing model | Freemium
| Free trial
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| Pricing | Essential: $30/year or $5/month. Includes manual entry, imports, investments, backup export, MCP server, and 2 household seats. Plus: $55/year or $8/month. Adds bank sync, AI features on the company's key, FIRE planner, and 5 household seats. Self-hosting is free forever and includes all features.
| Free during open beta. Full release will be subscription-based with price TBD. Beta users will receive a discount.
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| Key features | - Bank connections via LunchFlow, SimpleFIN, and Monobank
- Automatic transaction categorization with AI learning
- Budget tracking and progress monitoring
- Investment portfolio tracking including crypto
- Multi-currency support with automatic exchange rates
- Family sharing with per-account access control
- AI MCP server for connecting external AI assistants
- Reports and analytics with pivot tables
| - Envelope-based budgeting with real-time category tracking
- Multi-asset portfolio tracking including stocks, ETFs, crypto, commodities, and forex
- Visual reports and Sankey diagrams showing spending flows
- Real-time net worth and portfolio performance tracking
- Annualized performance and wealth projections
- Manual transaction entry with no bank connections required
- AES-256 encryption with zero-knowledge architecture
- EU server hosting under GDPR compliance
- CSV import for portfolio positions
- Desktop and mobile access
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| What makes it different | - Fully open-source under AGPL-3.0 with auditable code
- Self-host for free with Docker or use cloud starting at $2.50/month
- Bank coverage across 30+ countries
- Bring your own AI or use the built-in assistant
- Data encryption and full user control with no data selling
| - Manual entry by design creates financial awareness and spending habits, unlike automated bank-syncing apps
- Combines budgeting and investing in a single app, providing complete net worth view across cash and all assets
- Zero-knowledge encryption and EU hosting unlike US-based competitors relying on third-party aggregators
- Built by a single developer with no shareholders or exit strategy, focused on quality over growth metrics
- Privacy by design with technically impossible data sales due to encryption
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| Community votes | 0 | 0 |
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| DR (Domain Rating by Ahrefs) | Not checked yet ● no change since last check | 16 ● no change since last check |
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| Trust Flow (Majestic) | 1 | 11 |
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| Citation Flow (Majestic) | 15 | 20 |
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| Referring domains (Majestic) | 72 | 16 |
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MoneyMatter
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