Choosing a personal budgeting tool means comparing what each project tracks with how healthy and actively shipped it is. This October 2026 list uses the supplied ToolVitals records, including tool descriptions, ToolVitals scores, health and shipping scores, openness labels, license labels, and GitHub-star counts.
The ranking includes open/source-visible tools only and orders them by ToolVitals score descending, then health and shipping for equal scores. GitHub stars are context only and do not determine rank.
Rankings
| Rank | Tool | Openness | License | Health | Shipping | GitHub Stars | Score | Status |
|---|---|---|---|---|---|---|---|---|
| 1 | Securo | OSI-approved OSS | AGPL-3.0 | 97 | 96 | 3968 | 96 | 🟢 Excellent |
| 2 | OpenUsage | OSI-approved OSS | MIT | 96 | 95 | 4337 | 96 | 🟢 Excellent |
| 3 | Firefly III | OSI-approved OSS | AGPL-3.0 | 95 | 96 | 24852 | 96 | 🟢 Excellent |
| 4 | Actual Budget | OSI-approved OSS | MIT | 96 | 94 | 29380 | 95 | 🟢 Excellent |
| 5 | mirobody | OSI-approved OSS | Apache-2.0 | 95 | 96 | 1367 | 95 | 🟢 Excellent |
| 6 | ezbookkeeping | OSI-approved OSS | MIT | 95 | 93 | 5738 | 94 | 🟢 Excellent |
| 7 | Rotki | OSI-approved OSS | AGPL-3.0 | 93 | 92 | 4040 | 93 | 🟢 Excellent |
| 8 | Wallos | OSI-approved OSS | GPL-3.0 | 93 | 92 | 8650 | 93 | 🟢 Excellent |
| 9 | Budget Board | OSI-approved OSS | AGPL-3.0 | 93 | 91 | 887 | 92 | 🟢 Excellent |
| 10 | BFlow Backend | OSI-approved OSS | MIT | 92 | 92 | 28 | 92 | 🟢 Excellent |
| 11 | Expense Budget Tracker | OSI-approved OSS | MIT | 89 | 93 | 32 | 91 | 🟢 Excellent |
| 12 | Kresus | OSI-approved OSS | AGPL-3.0 | 91 | 90 | 343 | 90 | 🟢 Excellent |
| 13 | Canutin | OSI-approved OSS | Apache-2.0 | 84 | 85 | 70 | 85 | 🟢 Excellent |
| 14 | SmartWatt | OSI-approved OSS | MIT | 82 | 84 | 2 | 83 | 🟢 Excellent |
| 15 | Lake | OSI-approved OSS | AGPL-3.0 | 71 | 65 | 22 | 69 | 🟢 Good |
| 16 | Bill Organizer | OSI-approved OSS | MIT | 68 | 61 | 3 | 65 | 🟢 Good |
| 17 | Caspion | OSI-approved OSS | MIT | 60 | 44 | 268 | 53 | 🟡 Fair |
| 18 | Suprascribe | OSI-approved OSS | AGPL-3.0 | 58 | 43 | 11 | 52 | 🟡 Fair |
| 19 | Poveroh | OSI-approved OSS | AGPL-3.0 | 60 | 34 | 8 | 50 | 🟡 Fair |
| 20 | FinTrack | OSI-approved OSS | MIT | 57 | 34 | 6 | 48 | 🟡 Fair |
| 21 | Hisabi | OSI-approved OSS | MIT | 54 | 37 | 459 | 47 | 🟡 Fair |
| 22 | Treeline | OSI-approved OSS | MIT | 51 | 41 | 15 | 47 | 🟡 Fair |
| 23 | mohsinrafique Expense Manager | OSI-approved OSS | MIT | 51 | 36 | 1 | 45 | 🟡 Fair |
| 24 | Financial Freedom | OSI-approved OSS | GPL-3.0 | 53 | 30 | 2941 | 43 | 🟡 Fair |
| 25 | Paisa | OSI-approved OSS | AGPL-3.0 | 48 | 32 | 3224 | 42 | 🟡 Fair |
| 26 | zerro | OSI-approved OSS | GPL-2.0 | 48 | 14 | 281 | 35 | 🔴 Needs Attention |
| 27 | Folio | OSI-approved OSS | GPL-3.0 | 42 | 21 | 4 | 34 | 🔴 Needs Attention |
| 28 | Subflow | OSI-approved OSS | AGPL-3.0 | 42 | 17 | 158 | 32 | 🔴 Needs Attention |
| 29 | Ray Finance | OSI-approved OSS | MIT | 32 | 14 | 306 | 24 | 🔴 Needs Attention |
| 30 | IgniDash | OSI-approved OSS | AGPL-3.0 | 24 | 0 | 289 | 15 | 🔴 Needs Attention |
| 31 | SpendTrail | OSI-approved OSS | MIT | 16 | 0 | 6 | 10 | 🔴 Needs Attention |
| 32 | Bonsai | OSI-approved OSS | MIT | 14 | 0 | 1 | 8 | 🔴 Needs Attention |
| 33 | GoCost | OSI-approved OSS | MIT | 8 | 2 | 68 | 6 | 🔴 Needs Attention |
| 34 | Cashew | OSI-approved OSS | GPL-3.0 | 7 | 0 | 4692 | 4 | 🔴 Needs Attention |
| 35 | Billicious | OSI-approved OSS | MIT | 2 | 0 | 12 | 1 | 🔴 Needs Attention |
| 36 | Economizzer | OSI-approved OSS | MIT | 1 | 0 | 490 | 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 | 54236 | 0 | 🔴 Needs Attention |
Top 3 Highlights
Securo ranks first with a ToolVitals score of 96, a health score of 97, and a shipping score of 96. Its supplied description identifies it as a self-hosted, privacy-first personal finance manager. It is labeled OSI-approved OSS under AGPL-3.0. Its 3,968 GitHub stars are context only; its higher health score places it first among the tools with a 96 ToolVitals score.
OpenUsage ranks second with a ToolVitals score of 96, a health score of 96, and a shipping score of 95. Its supplied description identifies it as an open-source subscription and usage tracker, giving it a stated focus on recurring usage and subscriptions. The record labels it OSI-approved OSS under MIT. Its 4,337 GitHub stars provide context but do not affect its position.
Firefly III ranks third with a ToolVitals score of 96, a health score of 95, and a shipping score of 96. Its supplied description calls it a personal finances manager. The record labels it OSI-approved OSS under AGPL-3.0. It has 24,852 GitHub stars, the highest count among these three tools, but GitHub stars do not determine the ranking.
Want to see the full health, license, shipping, and confidence details for every tool in Personal Budgeting? Browse all Personal Budgeting Tools →