For personal budgeting, the hard part is not finding an app; it is separating actively maintained options from projects that look useful but may not be shipping much. This June 2026 ToolVitals snapshot compares open/source-visible personal budgeting tools using the supplied ToolVitals score, health score, shipping score, GitHub stars, openness_label, license_label, and pricing scope data.
The ranking is limited to open/source-visible tools and orders them by ToolVitals score first, with GitHub stars used only as a secondary popularity signal when scores are tied. In this dataset, every listed tool is labeled OSI-approved OSS, and the license mix includes AGPL-3.0, MIT, GPL-3.0, Apache-2.0, and GPL-2.0.
Rankings
| Rank | Tool | Openness | License | Health | Shipping | GitHub Stars | Score | Status |
|---|---|---|---|---|---|---|---|---|
| 1 | Ghostfolio | OSI-approved OSS | AGPL-3.0 | 93 | 100 | 8670 | 96 | 🟢 Excellent |
| 2 | Securo | OSI-approved OSS | AGPL-3.0 | 93 | 100 | 1023 | 96 | 🟢 Excellent |
| 3 | Actual Budget | OSI-approved OSS | MIT | 93 | 95 | 26977 | 95 | 🟢 Excellent |
| 4 | Firefly III | OSI-approved OSS | AGPL-3.0 | 90 | 95 | 23698 | 93 | 🟢 Excellent |
| 5 | OpenUsage | OSI-approved OSS | MIT | 88 | 100 | 2848 | 92 | 🟢 Excellent |
| 6 | Rotki | OSI-approved OSS | AGPL-3.0 | 86 | 84 | 3884 | 88 | 🟢 Excellent |
| 7 | Wallos | OSI-approved OSS | GPL-3.0 | 87 | 70 | 8050 | 83 | 🟢 Excellent |
| 8 | Budget Board | OSI-approved OSS | AGPL-3.0 | 79 | 80 | 797 | 83 | 🟢 Excellent |
| 9 | mirobody | OSI-approved OSS | Apache-2.0 | 85 | 63 | 1047 | 82 | 🟢 Excellent |
| 10 | Folio | OSI-approved OSS | GPL-3.0 | 69 | 71 | 3 | 75 | 🟢 Good |
| 11 | Caspion | OSI-approved OSS | MIT | 79 | 52 | 257 | 74 | 🟢 Good |
| 12 | Bill Organizer | OSI-approved OSS | MIT | 74 | 55 | 3 | 74 | 🟢 Good |
| 13 | Expense Budget Tracker | OSI-approved OSS | MIT | 63 | 63 | 11 | 72 | 🟢 Good |
| 14 | Ray Finance | OSI-approved OSS | MIT | 59 | 64 | 209 | 71 | 🟢 Good |
| 15 | Treeline | OSI-approved OSS | MIT | 57 | 59 | 9 | 69 | 🟢 Good |
| 16 | Canutin | OSI-approved OSS | Apache-2.0 | 70 | 30 | 67 | 64 | 🟢 Good |
| 17 | SmartWatt | OSI-approved OSS | MIT | 54 | 63 | 2 | 64 | 🟢 Good |
| 18 | FinTrack | OSI-approved OSS | MIT | 62 | 48 | 3 | 63 | 🟢 Good |
| 19 | Kresus | OSI-approved OSS | AGPL-3.0 | 59 | 39 | 336 | 62 | 🟢 Good |
| 20 | SpendTrail | OSI-approved OSS | MIT | 59 | 51 | 6 | 62 | 🟢 Good |
| 21 | BFlow Backend | OSI-approved OSS | MIT | 56 | 51 | 9 | 61 | 🟢 Good |
| 22 | Bonsai | OSI-approved OSS | MIT | 59 | 39 | 0 | 58 | 🟡 Fair |
| 23 | IgniDash | OSI-approved OSS | AGPL-3.0 | 54 | 31 | 254 | 56 | 🟡 Fair |
| 24 | mohsinrafique Expense Manager | OSI-approved OSS | MIT | 60 | 20 | 3 | 55 | 🟡 Fair |
| 25 | Poveroh | OSI-approved OSS | AGPL-3.0 | 43 | 51 | 9 | 53 | 🟡 Fair |
| 26 | Financial Freedom | OSI-approved OSS | GPL-3.0 | 54 | 14 | 2872 | 51 | 🟡 Fair |
| 27 | Lake | OSI-approved OSS | AGPL-3.0 | 46 | 25 | 20 | 50 | 🟡 Fair |
| 28 | Eclosion | OSI-approved OSS | MIT | 56 | 4 | 11 | 49 | 🟡 Fair |
| 29 | zerro | OSI-approved OSS | GPL-2.0 | 43 | 11 | 270 | 44 | 🟡 Fair |
| 30 | Cashew | OSI-approved OSS | GPL-3.0 | 41 | 7 | 4390 | 40 | 🟡 Fair |
| 31 | GoCost | OSI-approved OSS | MIT | 29 | 10 | 68 | 38 | 🔴 Needs Attention |
| 32 | Maybe Finance | OSI-approved OSS | AGPL-3.0 | 33 | 0 | 54155 | 32 | 🔴 Needs Attention |
| 33 | Economizzer | OSI-approved OSS | MIT | 28 | 0 | 496 | 31 | 🔴 Needs Attention |
| 34 | CurioPay | OSI-approved OSS | MIT | 27 | 0 | 26 | 31 | 🔴 Needs Attention |
| 35 | Paisa | OSI-approved OSS | AGPL-3.0 | 27 | 0 | 3164 | 29 | 🔴 Needs Attention |
| 36 | Tracklet | OSI-approved OSS | MIT | 24 | 0 | 7 | 29 | 🔴 Needs Attention |
| 37 | Billicious | OSI-approved OSS | MIT | 3 | 0 | 13 | 21 | 🔴 Needs Attention |
Top 3 Highlights
Ghostfolio ranks first with a ToolVitals score of 96, a health score of 93, and a shipping score of 100. It is labeled OSI-approved OSS under AGPL-3.0, has no pricing scope listed, and has 8,670 GitHub stars. It ties Securo on ToolVitals score, health score, and shipping score, but ranks ahead because GitHub stars are the secondary tie-breaker.
Securo ranks second with the same 96 ToolVitals score as Ghostfolio, plus a 93 health score and 100 shipping score. It is labeled OSI-approved OSS under AGPL-3.0, has no pricing scope listed, and has 1,023 GitHub stars. Its description is narrower and direct: a self-hosted, privacy-first personal finance manager.
Actual Budget ranks third with a 95 ToolVitals score, 93 health score, and 95 shipping score. It is labeled OSI-approved OSS under MIT, has no pricing scope listed, and has the largest star count among the top five at 26,977 GitHub stars. The supplied description positions it as a local-first personal finance app, which is a clear fit for readers who prioritize local control.
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