Open-source budget tracker and personal finance app
No spend tracker app for mindful spending
Stage
Not given
Startup
Founded
Not given
2026
Based in
Not given
CA
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 version available. Unspent More: 7-day free trial, then Monthly US$2.99 or Annual US$24.99
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
Track skipped purchases
See spending insights by category, merchant, and weekday
Set and track savings goals
Build streaks and earn achievements
Create quick logs for common skips
No bank connection required
Search and filter skips
Unlimited active goals
Ad-free experience with subscription
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
Tracks decisions not to spend rather than expenses already spent
Positive reinforcement approach instead of guilt-focused budgeting
MoneyMatter
Unspent