Open-source budget tracker and personal finance app
Know where your money actually goes
Stage
Not given
MVP
Founded
Not given
Not given
Based in
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Not given
Pricing model
Freemium
Freemium
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 forever for tracking expenses and subscriptions. Pro: $2.99/week or $39.99/year (approximately $3/month, saves 80%). 3-day free trial for Pro.
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
Log expenses with photo receipt scanning
Subscription tracking with renewal alerts
Automatic cheaper alternative suggestions
AI money assistant (Penny) for spending questions
Monthly spending breakdowns and insights
Price drop notifications
Subscription savings analysis
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
Spot forgotten subscriptions before they drain your budget for months
Find exact savings when switching to cheaper subscription alternatives
Ask Penny questions about spending in plain language without charts or filters
Expense logging with no manual typing via receipt photos
MoneyMatter
tracked.