[category: personal finance][verified alternatives][no votes, no pay-to-list]
Free and open source alternatives for Personal finance
13 free or open source projects taken from the pages of 10 paid apps in this category. For each one: how many it replaces, how much subscription it cancels, what it costs to run.
- free alternatives
- 13
- $/month replaceable
- 124
- already self-hosted
- 11
- apps covered
- 10
13 alternatives
No alternative matches these filters. Try dropping the set or the category.
The value is the sum of the prices of the apps that project replaces — including outside this category, because a good alternative rarely serves only one.
82 $ /mese
GnuCash open source ★ 4,3k active [1-click] macOS · Windows · Linux
Industrial-strength double entry, invoicing and reports on a desktop; friendly is not one of the accounting standards.
the 5 apps it replaces · 82 $/month
Three ways out of the subscription: 1. you keep paying (82 $/month) 2. you install this one, free 3. you vibecode it — the prompt is on each of the pages below
source code · verificata il 2026-08-06
59 $ /mese
Actual Budget open source ★ 28k active [1-click] web · self-hosted · macOS · Windows · Linux
Envelope budgeting, imports and rules on your own disk; bank sync is optional, not the landlord.
the 6 apps it replaces · 59 $/month
Three ways out of the subscription: 1. you keep paying (59 $/month) 2. you install this one, free 3. you vibecode it — the prompt is on each of the pages below
source code · verificata il 2026-08-06
50 $ /mese
Wealthfolio open source ★ 8,5k active [1-click] web · self-hosted · macOS · Windows · Linux · iOS
Portfolio, net worth, spending and budgets on your own device; automatic broker sync is the paid convenience.
the 5 apps it replaces · 50 $/month
Three ways out of the subscription: 1. you keep paying (50 $/month) 2. you install this one, free 3. you vibecode it — the prompt is on each of the pages below
source code · verificata il 2026-08-06
39 $ /mese
Freqtrade open source ★ 53,1k active [docker] self-hosted · CLI
Crypto-only bot with backtesting and dry-run paper trading; strategies are Python files, not chat.
the 1 app it replaces · 39 $/month
Three ways out of the subscription: 1. you keep paying (39 $/month) 2. you install this one, free 3. you vibecode it — the prompt is on each of the pages below
source code · verificata il 2026-08-09
39 $ /mese
OpenBB open source ★ 71,7k active [docker] self-hosted · CLI
Open-source research terminal with real market-data integrations; analysis without the AI narrator or the paper-trade journal.
the 1 app it replaces · 39 $/month
Three ways out of the subscription: 1. you keep paying (39 $/month) 2. you install this one, free 3. you vibecode it — the prompt is on each of the pages below
source code · verificata il 2026-08-09
31 $ /mese
Firefly III open source ★ 24,2k active [docker] web · self-hosted
A meticulous imported ledger with rules and reports in Docker; powerful, private and willing to teach accounting words.
the 3 apps it replaces · 31 $/month
Three ways out of the subscription: 1. you keep paying (31 $/month) 2. you install this one, free 3. you vibecode it — the prompt is on each of the pages below
source code · verificata il 2026-08-06
31 $ /mese
FreeBudget free [hosted] web · iOS · Android
Budgets, rules, CSV imports and net worth for free; live bank links are the one thing that sends a small bill.
the 3 apps it replaces · 31 $/month
Three ways out of the subscription: 1. you keep paying (31 $/month) 2. you install this one, free 3. you vibecode it — the prompt is on each of the pages below
verificata il 2026-08-06
29 $ /mese
KMyMoney open source ★ 202 active [1-click] macOS · Windows · Linux
Budgets, investments and cash-flow forecasts on the desktop; delight was not in the KDE requirements.
the 3 apps it replaces · 29 $/month
Three ways out of the subscription: 1. you keep paying (29 $/month) 2. you install this one, free 3. you vibecode it — the prompt is on each of the pages below
source code · verificata il 2026-08-06
29 $ /mese
Money Manager Ex open source ★ 2,2k active [1-click] macOS · Windows · Linux · iOS · Android
A local ledger with budgets, reports and investments; the interface has no subscription budget.
the 3 apps it replaces · 29 $/month
Three ways out of the subscription: 1. you keep paying (29 $/month) 2. you install this one, free 3. you vibecode it — the prompt is on each of the pages below
source code · verificata il 2026-08-06
22 $ /mese
OpenBudgeteer open source ★ 966 stable [docker] web · self-hosted
YNAB-style buckets in a Docker box; bank sync and habit coaching did not make the container.
the 2 apps it replaces · 22 $/month
Three ways out of the subscription: 1. you keep paying (22 $/month) 2. you install this one, free 3. you vibecode it — the prompt is on each of the pages below
source code · verificata il 2026-08-06
15 $ /mese
Aspire Budgeting free [hosted] web · iOS · Android
A polished zero-based budget living in Google Sheets; CSV imports and auto-categorization are the paid shortcut.
the 1 app it replaces · 15 $/month
Three ways out of the subscription: 1. you keep paying (15 $/month) 2. you install this one, free 3. you vibecode it — the prompt is on each of the pages below
verificata il 2026-08-06
10 $ /mese
ezBookkeeping open source ★ 5,4k active [docker] web · self-hosted · CLI
A fast private ledger with absurdly broad import support, mapping rules and sharp reports; budgeting is deliberately not invited.
the 1 app it replaces · 10 $/month
Three ways out of the subscription: 1. you keep paying (10 $/month) 2. you install this one, free 3. you vibecode it — the prompt is on each of the pages below
source code · verificata il 2026-08-06
3 $ /mese
TaxHacker open source ★ 6,6k active [docker] web · self-hosted
Feed it receipts, invoices or bank statements and let an LLM fill the ledger; it is useful, young and very much your server.
the 1 app it replaces · 3 $/month
Three ways out of the subscription: 1. you keep paying (3 $/month) 2. you install this one, free 3. you vibecode it — the prompt is on each of the pages below
source code · verificata il 2026-08-06
Checked by hand: no votes, no buyable positions. Prices in dollars.