Monarch Money Alternatives

Actual Budget is an open-source personal finance application that stores all financial data locally on the user's device using a SQLite database, enabling offline access and complete data ownership without cloud dependency. It packages the entire application stack into Docker containers for one-click deployment on any hosting platform with container support, and connects to over 10,000 financial institutions through the Plaid API to automatically sync account balances, transactions, and investment data. The application implements a monthly budget model that tracks spending against category li

Securo is a self-hosted personal finance management platform designed to provide users with complete control over their private financial data. By deploying the application within their own infrastructure, users can aggregate bank accounts, track income and expenses, and monitor investment portfolios while maintaining data privacy. The system supports multi-user access, allowing for collaborative expense tracking and shared financial management within a single environment. The platform distinguishes itself through the integration of local artificial intelligence, which enables users to query

Actual is a local-first personal finance manager designed to help users track income, manage expenses, and maintain a balanced budget. It functions as a data-centric application that prioritizes offline access and local file storage, ensuring that financial records remain available and performant regardless of network connectivity. The platform distinguishes itself through a robust architectural foundation that emphasizes data integrity and auditability. Every financial action is recorded as an immutable sequence of events, and all currency values are processed using an integer-based arithmet

Whisper Money is an open-source personal finance management platform designed for self-hosted environments. It provides a private, secure infrastructure for tracking income and expenses, consolidating multiple bank accounts, and managing asset portfolios. By prioritizing user data ownership, the platform allows individuals to maintain full control over their financial records while monitoring cash flow and progress toward personal budget goals. The platform distinguishes itself through the integration of artificial intelligence to automate the categorization of transactions and the generation

Cashew is a local-first budgeting application and personal finance tracker designed to log income and expenses across multiple accounts. It functions as a multi-currency expense manager and personal net worth dashboard, storing financial records in an on-device database to ensure private financial data storage. The project distinguishes itself through a focus on privacy and flexibility, offering optional personal cloud synchronization for multi-device access and biometric security to protect sensitive information. It features a currency conversion engine that calculates total values across di

Ghostfolio is a self-hosted portfolio tracker designed for personal finance tracking and wealth management. It allows users to record investment transactions and monitor asset holdings across multiple financial accounts in a single private environment. The system provides a financial performance analyzer to calculate investment returns and generate growth charts. It includes an investment risk auditor that performs static analysis on asset holdings to identify financial vulnerabilities and diversification gaps. The platform covers broader capabilities for multi-account management and financi

Budget is a self-hosted, containerized platform designed for personal finance management. It enables users to track income and expenses, categorize transactions, and maintain verifiable financial records by linking digital receipts to specific entries. The application distinguishes itself through its support for multi-currency accounting and internationalization, allowing users to manage finances across different regions and currencies. It provides automated financial reporting by generating and delivering periodic email summaries, alongside interactive browser-based visualization tools that

Firefly III is a self-hosted personal finance management system built on a double-entry bookkeeping engine. It provides a comprehensive platform for tracking income, expenses, and account balances while maintaining financial integrity through structured accounting principles. Designed for private use, the system supports multi-user access, allowing independent financial administrations to coexist within a single installation. The platform distinguishes itself through extensive automation and integration capabilities. It features a robust REST JSON API and webhook system that enables programma

Wealthfolio is a local-first personal finance tracker and multi-currency net worth calculator designed for managing investments, spending, and overall financial standing. It functions as an extensible portfolio management platform that allows users to maintain their data on their own devices, with an optional self-hosted Docker deployment for private server access. The platform is distinguished by an LLM-powered financial assistant that handles natural language transaction imports and portfolio querying. It further differentiates itself through a TypeScript-based SDK and plugin architecture,

hledger is a plain text accounting tool and double-entry ledger manager that stores financial transactions in human-readable text files. It functions as a financial reporting engine for generating balance sheets and income statements, and as a multi-currency investment tracker for managing commodity lots and capital gains. The project distinguishes itself by providing multi-interface data access, allowing users to interact with their financial data via a command line interface, a terminal user interface, and a web server. It features a market-price valuation system to calculate the current va

Wallos is a self-hosted subscription tracking dashboard and financial expense manager. It serves as a budgeting tool for monitoring recurring payments and due dates to ensure subscription services are paid on time. The application identifies expenditure patterns through personal finance analytics, utilizing visual charts and spending statistics. It handles multi-currency finance tracking by retrieving live exchange rates from external services to translate global currencies into a single primary value. Additional capabilities include a notification system that sends payment reminders via ema

GnuCash is a double-entry accounting software designed for personal and small-business financial management. It tracks assets, liabilities, income, and expenses using a bookkeeping system that ensures financial accuracy. The platform functions as a multi-currency bookkeeping system and a SQL-based financial ledger, persisting accounting data in relational databases or XML files. The system is distinguished by its extensibility as a Python-scriptable accounting tool, providing Python bindings and a REPL for automating tasks and creating custom reports. It also serves as an investment portfolio

Beancount is a plain-text double-entry accounting system. It enforces zero-sum transactions, organizes accounts into a hierarchical five-type tree, and verifies balances at specific dates using precision-derived tolerances. Transactions are recorded in plain-text files with a strict syntax that supports currency-specific rounding, automatic interpolation of missing amounts, and comprehensive metadata including tags, links, and payee annotations. Beyond core bookkeeping, Beancount offers investment portfolio tracking with lot-based cost basis management, configurable booking strategies (FIFO,

Maybe is a self-hosted financial platform designed for private deployment, providing a centralized interface to track investments, budgets, and net worth. By running the application on your own infrastructure, you maintain full control over your sensitive financial data and privacy. The platform is delivered as a containerized application suite, utilizing a declarative configuration framework to manage service lifecycles. It distinguishes itself through a structured approach to version control, allowing users to pin specific release tags to ensure environment consistency and perform controlle