Choosing personal budgeting tools is awkward because the category mixes full personal finance managers, subscription trackers, portfolio tools, and smaller self-hosted apps. For May 2026, this section uses the supplied ToolVitals dataset for Personal Budgeting Tools, including health score, shipping score, GitHub stars, ToolVitals score, and status for 37 ranked tools.

The ranking is ordered by ToolVitals score descending, with GitHub stars used as the secondary popularity signal when scores are tied. That means tools with the same ToolVitals score can move up or down based on public GitHub adoption, while lower-scoring tools with many stars still rank below healthier or more actively shipping projects.

Rankings

Rank Tool Health Shipping GitHub Stars Score Status
1 Actual Budget 92 88 26361 90 🟢 Excellent
2 Firefly III 95 100 23197 90 🟢 Excellent
3 Ghostfolio 92 100 8388 90 🟢 Excellent
4 Securo 89 100 569 90 🟢 Excellent
5 Wallos 84 88 7857 86 🟢 Excellent
6 OpenUsage 92 100 2312 86 🟢 Excellent
7 Whisper Money 89 100 354 86 🟢 Excellent
8 Caspion 86 88 255 86 🟢 Excellent
9 Eclosion 86 81 10 84 🟢 Excellent
10 Folio 81 88 3 84 🟢 Excellent
11 Ray Finance 84 80 199 82 🟢 Excellent
12 Canutin 76 80 67 78 🟢 Good
13 Sumurai 70 100 33 78 🟢 Good
14 Treeline 77 80 7 78 🟢 Good
15 Rotki 88 62 3835 76 🟢 Good
16 Bill Organizer 72 72 3 72 🟢 Good
17 mirobody 77 55 1039 67 🟢 Good
18 Expense Budget Tracker 70 47 9 60 🟢 Good
19 GoCost 46 28 68 38 🔴 Needs Attention
20 Financial Freedom 67 0 2856 37 🔴 Needs Attention
21 zerro 68 0 267 37 🔴 Needs Attention
22 SpendTrail 68 0 4 37 🔴 Needs Attention
23 FinTrack 68 0 2 37 🔴 Needs Attention
24 Housebills 68 0 0 37 🔴 Needs Attention
25 financial_control 68 0 0 37 🔴 Needs Attention
26 Lake 65 0 20 36 🔴 Needs Attention
27 IgniDash 64 0 246 35 🔴 Needs Attention
28 BFlow Backend 64 0 4 35 🔴 Needs Attention
29 EffettoComposto 64 0 2 35 🔴 Needs Attention
30 Suprascribe 64 0 2 35 🔴 Needs Attention
31 Bonsai 58 0 0 32 🔴 Needs Attention
32 Cashew 55 0 4319 30 🔴 Needs Attention
33 Hisabi 45 0 448 25 🔴 Needs Attention
34 Maybe Finance 39 0 54111 21 🔴 Needs Attention
35 Paisa 39 0 3153 21 🔴 Needs Attention
36 Economizzer 33 0 498 18 🔴 Needs Attention
37 CurioPay 32 0 26 18 🔴 Needs Attention

Top 3 Highlights

Actual Budget ranks first with a ToolVitals score of 90, a health score of 92, a shipping score of 88, and 26,361 GitHub stars. It edges out the other 90-score tools because GitHub stars are used as the tie-breaker, and it has the largest star count among Actual Budget, Firefly III, Ghostfolio, and Securo. Its description points to a local-first personal finance app, making it one of the clearest fits for general personal budgeting in the dataset.

Firefly III ranks second with the same ToolVitals score as the leader at 90, plus the strongest shipping score in the top group at 100. Its health score is 95 and it has 23,197 GitHub stars, so it combines high project health, active shipping, and broad public adoption. The supplied description positions it directly as a personal finances manager.

Ghostfolio ranks third with a ToolVitals score of 90, a health score of 92, and a shipping score of 100. Its 8,388 GitHub stars are lower than Actual Budget and Firefly III, but still well ahead of most tools in the list. The description frames it more as wealth management software than day-to-day budgeting, so it appears strongest for users whose personal finance workflow includes portfolio tracking and broader wealth management.

Want to see the full health, shipping, openness, and evidence details for every tool in Personal Budgeting? Browse all Personal Budgeting Tools →