Open-source budget tracker and personal finance app
Budgeting and debt payoff planner with no bank linking and no data selling
Stage
Not given
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Founded
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Based in
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Pricing model
Freemium
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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 plan: 2 accounts, 5 debts, 1 property, no card required. Home plan: $5.99/month.
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
Avalanche, snowball, or custom debt payoff order
Projected debt-free date
Financial forecasting up to ten years out
Overdraft warnings months in advance
Bank and credit card statement upload
No bank account connection required
Two-factor authentication and encryption
Consolidation offer calculator
Household sharing of financial books
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 bank account linking – you enter numbers, not credentials
Price locked in for life – no rate increases
Reads bank statements to eliminate manual data entry
Actual debt-free date instead of vague projections
MoneyMatter
The Silo