Open-source budget tracker and personal finance app
Private expense tracker with on-device AI that never leaves your phone
Stage
Not given
MVP
Founded
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Based in
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Pricing model
Freemium
Free
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.
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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
Automated bank SMS sync that filters promotions and OTPs
Receipt OCR that reads bills on the phone
On-device AI using Gemini Nano or Apple Intelligence
Dynamic budgets with automatic suggestions and alerts
Bill-splitting with shareable links
Debt and EMI tracking with interest calculations
Home and Lock Screen widgets
Support for 107 currencies with offline exchange rates
AES-256 encrypted local storage with password-protected backups
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
No account, server or cloud needed—everything stays on your phone
On-device AI that never uploads your data or questions
Works fully offline with local exchange rate data
Automatic bank SMS parsing without manual entry
Bank alerts understood in multiple currencies including rupees, dollars and euros
MoneyMatter
Fundstash