For personal budgeting, readers are often choosing between full personal finance managers, local-first budget apps, portfolio trackers, and narrower subscription or bill trackers. This July 2026 ToolVitals data set compares 40 open/source-visible Personal Budgeting Tools using the supplied ToolVitals score, health score, shipping score, GitHub stars, status, openness_label, and license_label fields.
The ranking is limited to open/source-visible tools and is ordered by ToolVitals score first, with GitHub stars used only as a secondary popularity signal when scores are close. License and openness are treated conservatively: labels such as OSI-approved OSS and AGPL-3.0, MIT, GPL-3.0, Apache-2.0, or GPL-2.0 are reported exactly as provided.
Rankings
| Rank | Tool | Openness | License | Health | Shipping | GitHub Stars | Score | Status |
|---|---|---|---|---|---|---|---|---|
| 1 | Ghostfolio | OSI-approved OSS | AGPL-3.0 | 93 | 100 | 8936 | 96 | 🟢 Excellent |
| 2 | Securo | OSI-approved OSS | AGPL-3.0 | 93 | 100 | 1182 | 96 | 🟢 Excellent |
| 3 | Actual Budget | OSI-approved OSS | MIT | 93 | 95 | 27431 | 95 | 🟢 Excellent |
| 4 | Firefly III | OSI-approved OSS | AGPL-3.0 | 90 | 89 | 23986 | 91 | 🟢 Excellent |
| 5 | OpenUsage | OSI-approved OSS | MIT | 84 | 95 | 3204 | 90 | 🟢 Excellent |
| 6 | Rotki | OSI-approved OSS | AGPL-3.0 | 86 | 84 | 3943 | 89 | 🟢 Excellent |
| 7 | Budget Board | OSI-approved OSS | AGPL-3.0 | 79 | 80 | 849 | 83 | 🟢 Excellent |
| 8 | Wallos | OSI-approved OSS | GPL-3.0 | 85 | 58 | 8173 | 79 | 🟢 Good |
| 9 | Caspion | OSI-approved OSS | MIT | 81 | 63 | 259 | 79 | 🟢 Good |
| 10 | ezbookkeeping | OSI-approved OSS | MIT | 76 | 66 | 5200 | 77 | 🟢 Good |
| 11 | mirobody | OSI-approved OSS | Apache-2.0 | 79 | 46 | 1050 | 74 | 🟢 Good |
| 12 | Kresus | OSI-approved OSS | AGPL-3.0 | 70 | 47 | 338 | 70 | 🟢 Good |
| 13 | Treeline | OSI-approved OSS | MIT | 62 | 54 | 9 | 69 | 🟢 Good |
| 14 | Canutin | OSI-approved OSS | Apache-2.0 | 74 | 39 | 68 | 68 | 🟢 Good |
| 15 | Expense Budget Tracker | OSI-approved OSS | MIT | 56 | 58 | 12 | 67 | 🟢 Good |
| 16 | Bill Organizer | OSI-approved OSS | MIT | 64 | 46 | 3 | 67 | 🟢 Good |
| 17 | FinTrack | OSI-approved OSS | MIT | 62 | 54 | 4 | 65 | 🟢 Good |
| 18 | SmartWatt | OSI-approved OSS | MIT | 54 | 63 | 2 | 64 | 🟢 Good |
| 19 | BFlow Backend | OSI-approved OSS | MIT | 62 | 51 | 12 | 63 | 🟢 Good |
| 20 | mohsinrafique Expense Manager | OSI-approved OSS | MIT | 56 | 49 | 1 | 63 | 🟢 Good |
| 21 | Folio | OSI-approved OSS | GPL-3.0 | 58 | 43 | 3 | 62 | 🟢 Good |
| 22 | Ray Finance | OSI-approved OSS | MIT | 52 | 42 | 213 | 61 | 🟢 Good |
| 23 | SpendTrail | OSI-approved OSS | MIT | 54 | 51 | 6 | 60 | 🟢 Good |
| 24 | Poveroh | OSI-approved OSS | AGPL-3.0 | 43 | 63 | 9 | 57 | 🟡 Fair |
| 25 | Tracklet | OSI-approved OSS | MIT | 57 | 35 | 7 | 57 | 🟡 Fair |
| 26 | Suprascribe | OSI-approved OSS | AGPL-3.0 | 56 | 21 | 8 | 53 | 🟡 Fair |
| 27 | IgniDash | OSI-approved OSS | AGPL-3.0 | 64 | 7 | 261 | 52 | 🟡 Fair |
| 28 | zerro | OSI-approved OSS | GPL-2.0 | 51 | 21 | 271 | 50 | 🟡 Fair |
| 29 | Bonsai | OSI-approved OSS | MIT | 41 | 39 | 0 | 50 | 🟡 Fair |
| 30 | Financial Freedom | OSI-approved OSS | GPL-3.0 | 54 | 7 | 2883 | 49 | 🟡 Fair |
| 31 | Eclosion | OSI-approved OSS | MIT | 56 | 4 | 12 | 49 | 🟡 Fair |
| 32 | Subflow | OSI-approved OSS | AGPL-3.0 | 41 | 18 | 158 | 47 | 🟡 Fair |
| 33 | Lake | OSI-approved OSS | AGPL-3.0 | 51 | 7 | 20 | 46 | 🟡 Fair |
| 34 | Cashew | OSI-approved OSS | GPL-3.0 | 38 | 0 | 4461 | 36 | 🔴 Needs Attention |
| 35 | GoCost | OSI-approved OSS | MIT | 27 | 4 | 69 | 35 | 🔴 Needs Attention |
| 36 | Maybe Finance | OSI-approved OSS | AGPL-3.0 | 33 | 0 | 54331 | 32 | 🔴 Needs Attention |
| 37 | Economizzer | OSI-approved OSS | MIT | 28 | 0 | 495 | 31 | 🔴 Needs Attention |
| 38 | CurioPay | OSI-approved OSS | MIT | 27 | 0 | 27 | 31 | 🔴 Needs Attention |
| 39 | Paisa | OSI-approved OSS | AGPL-3.0 | 27 | 0 | 3178 | 29 | 🔴 Needs Attention |
| 40 | Billicious | OSI-approved OSS | MIT | 3 | 0 | 13 | 21 | 🔴 Needs Attention |
Top 3 Highlights
Ghostfolio ranks first with a 96 ToolVitals score, a 93 health score, and a 100 shipping score.
Securo is effectively tied at the top on core scoring, with a 96 ToolVitals score, 93 health score, and 100 shipping score. It is labeled OSI-approved OSS under AGPL-3.0 and described as a self-hosted, privacy-first personal finance manager; its 1,182 GitHub stars place it second behind Ghostfolio in the tie.
Actual Budget ranks third with a 95 ToolVitals score, a 93 health score, and a 95 shipping score. It stands out as a local-first personal finance app with the highest GitHub star count among the top five at 27,431 stars, and it is labeled OSI-approved OSS under MIT.
Want to see the full health, shipping, openness, and evidence details for every tool in Personal Budgeting? Browse all Personal Budgeting Tools →