Personal Budgeting Tools

Best Personal Budgeting tools by public signals

These picks are computed from scored public evidence. Use the openness column in the ranking to separate OSI-approved, source-available, open-core, proprietary, and unverified-license tools.

Best overallGhostfolio96 score License-safe pickGhostfolioOSI-approved OSS Fastest shippingGhostfolio100 shipping

Use Case Rankings

Ordered by ToolVitals score, health, shipping, confidence, and then adoption as a tie-breaker.

#	Tool	Health	Shipping	Openness	Stars	Score	Status
01	Ghostfolio Open Source Wealth Management Software. Angular + NestJS + Prisma + Nx + TypeScript 🤍	93	100	OSI-approved OSS	8.7k	96	Active
02	Securo Self-hosted, privacy-first personal finance manager.	93	100	OSI-approved OSS	1k	96	Active
03	Actual Budget A local-first personal finance app	93	95	OSI-approved OSS	27k	95	Active
04	Firefly III Firefly III: a personal finances manager	90	95	OSI-approved OSS	23.7k	93	Active
05	OpenUsage Open-source subscription and usage tracker.	88	100	OSI-approved OSS	2.8k	92	Active
06	Rotki A portfolio tracking, analytics, accounting and management application that protects your privacy	86	84	OSI-approved OSS	3.9k	88	Active
07	Whisper Money Personal finance app that helps users understand spending and transactions.	80	90	License unknown	1k	87	Active
08	Wallos Wallos: Open-source, self-hostable personal subscription tracker. Visualize your recurring expenses, manage your budget, and save money.	87	70	OSI-approved OSS	8.1k	83	Active
09	Budget Board App for tracking monthly spending and financial goals.	79	80	OSI-approved OSS	797	83	Active
10	mirobody Your Data, Your AI — Health, Finance & More. Open Source, Privacy-First.	85	63	OSI-approved OSS	1k	82	Active
11	Sumurai Open-source personal finance app for spending and budget tracking.	64	90	License unknown	34	77	Warning
12	Folio Open-source personal finance app for budgeting and expense tracking.	69	71	OSI-approved OSS	3	75	Warning
13	Caspion Automated budget tracking from financial institutions.	79	52	OSI-approved OSS	257	74	Warning
14	Bill Organizer Open-source bill organizer for subscriptions and recurring bills.	74	55	OSI-approved OSS	3	74	Warning
15	Expense Budget Tracker Self-hosted personal finance expense and budget tracker.	63	63	OSI-approved OSS	11	72	Warning
16	Ray Finance Open-source AI financial advisor for personal finance planning.	59	64	OSI-approved OSS	209	71	Warning
17	Treeline Local-first personal finance app built on DuckDB.	57	59	OSI-approved OSS	9	69	Warning
18	Canutin Open-source personal finance desktop app.	70	30	OSI-approved OSS	67	64	Warning
19	SmartWatt Residential energy estimation platform with appliance-wise analysis, bill insights, and optimization recommendations.	54	63	OSI-approved OSS	2	64	Warning
20	FinTrack Personal finance tracker with AI analytics and multi-currency support.	62	48	OSI-approved OSS	3	63	Warning
21	SpendTrail Privacy-focused expense and income tracker as a PWA.	59	51	OSI-approved OSS	6	62	Warning
22	Kresus Self-hosted personal finance application.	59	39	OSI-approved OSS	336	62	Warning
23	BFlow Backend Personal finance management API.	56	51	OSI-approved OSS	9	61	Warning
24	Bonsai Agents for auditing, disputing, and renegotiating personal bills and expenses.	59	39	OSI-approved OSS	0	58	Warning
25	EffettoComposto Open-source personal finance and budgeting tools.	59	35	License unknown	3	57	Warning
26	IgniDash AI-powered alternative to ProjectionLab for long-term personal finance planning.	54	31	OSI-approved OSS	254	56	Warning
27	mohsinrafique Expense Manager Open-source personal finance management application for tracking income and expenses.	60	20	OSI-approved OSS	3	55	Warning
28	Poveroh Open-source personal finance tracking platform.	43	51	OSI-approved OSS	9	53	Warning
29	Suprascribe Open-source subscription tracker and management platform.	56	21	License unknown	7	52	Warning
30	Financial Freedom Personal finance app for budgeting and wealth building.	54	14	OSI-approved OSS	2.9k	51	Warning
31	Lake Personal finance manager with AI and WhatsApp support.	46	25	OSI-approved OSS	20	50	Critical
32	Eclosion Open-source desktop and web app for Monarch Money integrations.	56	4	OSI-approved OSS	11	49	Warning
33	financial_control Personal finance control PWA for budgeting and expense tracking.	41	18	License unknown	0	45	Critical
34	zerro Unofficial ZenMoney client with envelope budgeting superpowers	43	11	OSI-approved OSS	270	44	Critical
35	SubTrackr Subscription management platform to track recurring payments.	41	7	License unknown	0	43	Critical
36	Housebills House bills management app.	41	7	License unknown	0	41	Critical
37	Cashew Budgeting and purchases tracking app.	41	7	OSI-approved OSS	4.4k	40	Critical
38	GoCost Self-hosted expense tracker focused on anti-subscription budgeting.	29	10	OSI-approved OSS	68	38	Critical
39	Maybe Finance The personal finance app for everyone	33	0	OSI-approved OSS	54.2k	32	Critical
40	Economizzer Open Source Personal Finance Manager	28	0	OSI-approved OSS	496	31	Critical
41	CurioPay Open-source budget tracking app with LLM-powered financial insights.	27	0	OSI-approved OSS	26	31	Critical
42	Paisa Personal finance manager with a demo site and budgeting workflow.	27	0	OSI-approved OSS	3.2k	29	Critical
43	Tracklet Open-source personal finance management application with AI-powered insights.	24	0	OSI-approved OSS	7	29	Critical

Evidence Watch

Tracked tools with useful public signals but no verdict score yet.

Hisabi

Open-source personal finance tracking web application with SMS parser.

62 confidence