Choosing a personal budgeting tool means balancing day-to-day tracking needs with project health, shipping activity, and how openly the software is distributed. This September 2026 snapshot uses the supplied ToolVitals data to make those trade-offs easier to compare.
The ranking covers open/source-visible tools and orders them by ToolVitals score descending, then health and shipping for equal composite scores. GitHub stars are included as context only and do not determine the order.
Rankings
| Rank | Tool | Openness | License | Health | Shipping | GitHub Stars | Score | Status |
|---|---|---|---|---|---|---|---|---|
| 1 | Actual Budget | OSI-approved OSS | MIT | 97 | 96 | 28648 | 97 | 🟢 Excellent |
| 2 | Securo | OSI-approved OSS | AGPL-3.0 | 97 | 96 | 3224 | 97 | 🟢 Excellent |
| 3 | OpenUsage | OSI-approved OSS | MIT | 96 | 96 | 4087 | 96 | 🟢 Excellent |
| 4 | ezbookkeeping | OSI-approved OSS | MIT | 95 | 94 | 5548 | 95 | 🟢 Excellent |
| 5 | Rotki | OSI-approved OSS | AGPL-3.0 | 94 | 94 | 4015 | 94 | 🟢 Excellent |
| 6 | Budget Board | OSI-approved OSS | AGPL-3.0 | 93 | 92 | 884 | 93 | 🟢 Excellent |
| 7 | Firefly III | OSI-approved OSS | AGPL-3.0 | 93 | 92 | 24561 | 93 | 🟢 Excellent |
| 8 | Kresus | OSI-approved OSS | AGPL-3.0 | 93 | 92 | 340 | 93 | 🟢 Excellent |
| 9 | BFlow Backend | OSI-approved OSS | MIT | 91 | 89 | 27 | 91 | 🟢 Excellent |
| 10 | Expense Budget Tracker | OSI-approved OSS | MIT | 87 | 93 | 30 | 90 | 🟢 Excellent |
| 11 | Canutin | OSI-approved OSS | Apache-2.0 | 87 | 93 | 69 | 89 | 🟢 Excellent |
| 12 | Wallos | OSI-approved OSS | GPL-3.0 | 89 | 82 | 8466 | 86 | 🟢 Excellent |
| 13 | SmartWatt | OSI-approved OSS | MIT | 82 | 84 | 2 | 83 | 🟢 Excellent |
| 14 | Poveroh | OSI-approved OSS | AGPL-3.0 | 83 | 80 | 8 | 81 | 🟢 Excellent |
| 15 | mirobody | OSI-approved OSS | Apache-2.0 | 83 | 75 | 1295 | 80 | 🟢 Excellent |
| 16 | Treeline | OSI-approved OSS | MIT | 76 | 79 | 14 | 77 | 🟢 Good |
| 17 | Lake | OSI-approved OSS | AGPL-3.0 | 73 | 65 | 21 | 70 | 🟢 Good |
| 18 | Paisa | OSI-approved OSS | AGPL-3.0 | 62 | 49 | 3208 | 57 | 🟡 Fair |
| 19 | Bill Organizer | OSI-approved OSS | MIT | 63 | 44 | 3 | 56 | 🟡 Fair |
| 20 | Suprascribe | OSI-approved OSS | AGPL-3.0 | 62 | 46 | 11 | 56 | 🟡 Fair |
| 21 | zerro | OSI-approved OSS | GPL-2.0 | 63 | 39 | 280 | 54 | 🟡 Fair |
| 22 | FinTrack | OSI-approved OSS | MIT | 60 | 32 | 4 | 49 | 🟡 Fair |
| 23 | Caspion | OSI-approved OSS | MIT | 53 | 27 | 266 | 43 | 🟡 Fair |
| 24 | SpendTrail | OSI-approved OSS | MIT | 40 | 27 | 6 | 35 | 🔴 Needs Attention |
| 25 | mohsinrafique Expense Manager | OSI-approved OSS | MIT | 36 | 26 | 1 | 32 | 🔴 Needs Attention |
| 26 | Ray Finance | OSI-approved OSS | MIT | 38 | 15 | 302 | 29 | 🔴 Needs Attention |
| 27 | Folio | OSI-approved OSS | GPL-3.0 | 35 | 20 | 4 | 29 | 🔴 Needs Attention |
| 28 | IgniDash | OSI-approved OSS | AGPL-3.0 | 30 | 0 | 280 | 18 | 🔴 Needs Attention |
| 29 | Bonsai | OSI-approved OSS | MIT | 17 | 0 | 0 | 10 | 🔴 Needs Attention |
| 30 | Subflow | OSI-approved OSS | AGPL-3.0 | 16 | 0 | 159 | 10 | 🔴 Needs Attention |
| 31 | Financial Freedom | OSI-approved OSS | GPL-3.0 | 14 | 0 | 2922 | 9 | 🔴 Needs Attention |
| 32 | GoCost | OSI-approved OSS | MIT | 10 | 2 | 70 | 7 | 🔴 Needs Attention |
| 33 | Cashew | OSI-approved OSS | GPL-3.0 | 9 | 0 | 4609 | 5 | 🔴 Needs Attention |
| 34 | Hisabi | OSI-approved OSS | MIT | 8 | 0 | 456 | 5 | 🔴 Needs Attention |
| 35 | Billicious | OSI-approved OSS | MIT | 2 | 0 | 12 | 1 | 🔴 Needs Attention |
| 36 | Economizzer | OSI-approved OSS | MIT | 1 | 0 | 493 | 1 | 🔴 Needs Attention |
| 37 | Eclosion | OSI-approved OSS | MIT | 0 | 0 | 12 | 0 | 🔴 Needs Attention |
| 38 | Maybe Finance | OSI-approved OSS | AGPL-3.0 | 0 | 0 | 54284 | 0 | 🔴 Needs Attention |
Top 3 Highlights
Actual Budget holds rank 1 with a ToolVitals score of 97, a health score of 97, and a shipping score of 96. It is described as a local-first personal finance app. Its listed labels are OSI-approved OSS and MIT, while the repository has 28,648 GitHub stars as context only.
Securo holds rank 2 with a ToolVitals score of 97, a health score of 97, and a shipping score of 96. The supplied description emphasizes self-hosting and privacy in its personal finance manager. Its listed labels are OSI-approved OSS and AGPL-3.0, and its repository has 3,224 GitHub stars as context only.
OpenUsage ranks 3 with a ToolVitals score of 96, a health score of 96, and a shipping score of 96. Its supplied description focuses on subscription and usage tracking. The listed labels are OSI-approved OSS and MIT, and its repository has 4,087 GitHub stars as context only.
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