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. It is labeled OSI-approved OSS under AGPL-3.0, has no pricing scope listed, and has 8,936 GitHub stars, giving it the top spot over Securo on the secondary popularity signal.
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.
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