Open-source Monarch alternatives

Actual is a personal finance tool built around a local-first design. It is free and open source under the MIT license, written in TypeScript on NodeJS, and includes a synchronization layer so changes move between your devices without much effort. Its budgeting approach follows the envelope method, and the community documentation covers budgeting, account management and tips.

There are four ways to run it: a one-click deployment on PikaPods, managed hosting on Fly.io, self-hosting with a Docker image, or local-only apps for Windows, macOS and Linux that run on your own device. The code is organized into packages such as loot-core for the cross-platform core, desktop-client for the user interface and desktop-electron for the desktop app. The community offers guides for starting fresh and for migrating from other budgeting apps.

Firefly III runs on your own server and manages your personal finances. It helps you follow what you earn and spend, with the aim of spending less and saving more, and it supports budgets, categories and tags. The project describes itself as free and open source, with no AI and no cloud, and as privacy friendly. It is written in PHP and released under the AGPL-3.0 license.

A set of import tools brings in data from other sources, and the application offers many financial reports to give insight into where money goes. The author built it out of a wish to feel in control of money rather than stressed by it. You can try a public demo, read the documentation, or install it yourself, and the repository topics point to Docker and Linux deployments. The project originates in the European Union and accepts donations.

Sure is a personal finance application that can be self-hosted with Docker. It is a community-maintained fork of Maybe Finance, a project whose team built a full-featured personal finance and wealth management app and then stopped development after the business did not work out. Sure keeps that codebase alive.

The app can be accessed from a browser, a macOS desktop app, a mobile app, API clients and LLM agents, and the README points to an overview of Sure Clients. It is a fully working finance app for tracking money, and the maintainers invite contributors to join through Discord, GitHub issues and the project website. The README is translated into several languages.

Sure is written in Ruby and released under the AGPL-3.0 license. Anyone may fork it under that license, but forks are asked to include the original license and state that they are based on Maybe Finance and not affiliated with it, to stay compliant and avoid trademark problems.

Ghostfolio is open-source wealth management software built with web technology. It helps people keep track of stocks, ETFs and cryptocurrencies held across several platforms and is designed for personal use in continuous operation. Its pitch is data ownership and privacy for people who would rather not manage investments in spreadsheets.

Features include creating, editing and deleting transactions, managing multiple accounts, portfolio performance based on Return on Average Investment over several time ranges, various charts, a static analysis that points out potential portfolio risks, and import and export of transactions. It also has dark and zen modes and works as a progressive web app with a mobile-first design.

The project is a TypeScript web application organized as an Nx workspace, using Angular, NestJS and Prisma. An official cloud offering called Ghostfolio Premium is the simplest way to start, with revenue covering hosting and data provider costs, and instructions exist for running it on your own infrastructure. It is licensed under AGPL-3.0, and the slug here is a truncated form of the name Ghostfolio.

Wealthfolio is an open-source portfolio tracker and personal finance app that keeps all data on your own device, with no cloud database and no account required. It covers investments, net worth, spending and simulations, and manual tracking and CSV import are free, according to the project.

Key capabilities include tracking portfolios across multiple accounts and asset types, performance analytics covering money-weighted and time-weighted returns, comparison against benchmarks and historical analysis, importing and managing trading activities, goal planning with allocation management, multi-currency support with exchange rates and an add-on system for custom functionality. It runs on desktop for Windows, macOS and Linux, on iOS, and as a self-hosted Docker web app.

For automatic read-only brokerage syncing across more than 30 institutions and encrypted multi-device sync there is Wealthfolio Connect, an optional subscription that the project says covers the real cost of the data connections. The app is written in Rust with Tauri and licensed under AGPL-3.0. It suits privacy-minded individual investors who prefer local data over a hosted aggregator.

Paisa is an open-source personal finance manager that builds on top of the ledger double-entry accounting tool. Your financial records live in plain-text journal and configuration files, and Paisa reads them to produce a web interface for visualizing your money. The project states that your financial data never leaves your system.

It helps with tracking investments such as mutual funds and stocks, categorizing expenses, budgeting and money management in general. The documentation covers accounts, commodities, the journal, allocation targets, budgets, bulk edit, imports, recurring transactions, spreadsheets, goals for retirement and savings, credit cards, and tax analysis including capital gains and tax harvesting. Example journals show Indian rupee, US dollar and euro setups.

Paisa is for people comfortable keeping accounts in text files who want charts and analysis on top. It is licensed under AGPL 3 or later, and a public demo shows the interface. The author uses it for personal finances, and questions can be raised through GitHub or a Matrix chat. A separate product is suggested on the site for those who prefer not to edit text files.

Financial Freedom, from Server Side Up, is an open-source budgeting application written with Laravel and Vue. It was designed as an alternative to Mint, YNAB, and similar tools, helping people stay on budget and build wealth without giving up their privacy. The code is released under the GPL-3.0 license.

The project is currently on hold. The README warns not to install it until the notice is removed, because a major refactor is in progress and the application only shows a blank screen. The maintainers say they need sustainable funding to continue, comparing their position to that of Maybe Finance, and invite people to review or fork the code. The latest release is an early alpha.

Because of this status, treat it as a codebase to read or fork rather than a working budgeting tool today. It may interest developers who want a Laravel and Vue starting point for personal finance software, or people who follow open-source alternatives to commercial budgeting services.

Cashew is a personal finance app that helps you plan a budget and keep track of purchases. It is built with Flutter, using Drift for local SQL storage and Firebase, and runs on Android and iOS. A web version is available as a progressive web app, and releases are also distributed through GitHub.

Budgets can use flexible time periods such as monthly, weekly, daily or any custom range, which suits one-off cases like a trip. Transactions can be added to specific budgets, each category within a budget can have its own spending limit, and past budgets can be reviewed to compare how spending changed over time. Goals let you plan spending or saving targets and assign transactions towards them.

The app is open source under the GPL-3.0 license and its development is documented in the repository's commits and changelog. The interface follows Material You styling, and there is a beta testing program for early builds.

Financial Management, published under the name Family Ledger (the README is written in Chinese), is a self-hosted app for tracking a household's assets across banks, payment apps, brokerages, property and mortgages. Instead of logging every transaction, it asks for a monthly snapshot of account balances plus external cash flows, a routine meant to take about ten minutes for a couple filling it in at different times. The data stays on your own server.

From those snapshots it shows a net worth trend with inflation and money-supply reference lines, asset allocation, and real annualized returns calculated with XIRR and TWR so that savings and investment gains can be told apart. It can look through funds to their underlying holdings and industries, aggregated across the whole family. AI features can read screenshots to import individual holdings and produce a checkup covering allocation, risk, liquidity and returns; the README says the numbers are computed by the app and the language model only interprets them.

The app has nine account types grouped by family member, multi-dimensional tagging, preset dashboards, one-click export, and a responsive interface that can be installed as an iOS web app. It is licensed under Apache-2.0 and written in Java. It is deliberately not a daily expense tracker, budgeting tool or trading client, and a public demo with synthetic data is available.

Mintable is an open-source personal finance automation tool aimed at people who want to track account balances and spending without relying on a service like Intuit's Mint, which comes with ads and third-party data collection. It lets users keep their financial data under their own control in a spreadsheet they own.

It aggregates transactions from checking accounts, savings accounts and credit cards across banking institutions, using Plaid's free plan to connect to US banks, and exports balances and transactions into Google Sheets, where users can analyze and budget with formulas. Plaid is optional: transactions can instead be imported from a CSV bank statement entirely on the local machine, and results can likewise be exported to CSV instead of Google Sheets if preferred. Running Mintable automatically on a schedule can be done for free with tools like BitBar, cron, or GitHub Actions.

Mintable requires Node.js 11 or newer, does not natively support non-US banks without editing country codes, and does not natively support Windows, though a workaround is referenced. It is written in TypeScript and JavaScript and released under the MIT license, with the README comparing it to paid alternatives such as Microsoft's Money in Excel.