Best Self Hosted Alternatives to Kubera

Actual Budget is a local-first personal finance application focused on envelope-style budgeting. It runs offline with fast local data access, and can optionally sync across devices using a self-hosted sync server with end-to-end encryption.

Key Features

• Envelope budgeting based on real cash on hand
• Transaction management with categories, splits, and transfers
• Reports including net worth and cash flow, plus a custom report engine
• Multi-device sync via a self-hostable synchronization service
• Optional end-to-end encryption for synced data
• Imports for common finance formats (QIF, OFX, QFX, CAMT.053, CSV)
• Built-in migrations/importers for YNAB4 and nYNAB
• Undo/redo support for budgeting and transaction changes
• Developer API for building custom importers and integrations

Use Cases

• Run a privacy-focused household budget with envelope categories and monthly planning
• Track spending across multiple accounts and review net worth and cash flow trends
• Self-host a secure sync service to keep budgets consistent across devices

Actual Budget combines offline-first speed with optional self-hosted synchronization, giving you control over your financial data and workflow. It is well-suited to users who want a modern budgeting experience without relying on a proprietary cloud backend.

Actual Budget is a local-first personal finance application focused on fast day-to-day budgeting and transaction tracking. It supports envelope-style budgeting, works offline, and can optionally sync across devices using a self-hosted sync server.

Key Features

• Envelope-style budgeting based on money you actually have
• Transaction management with categorization, splits, and transfers
• Built-in reports including net worth and cash flow, plus custom reporting
• Multi-device sync with optional end-to-end encryption
• Imports from common financial formats (QIF, OFX, QFX, CAMT.053, CSV)
• Undo/redo for safely reverting changes
• Data migration tools including importers for YNAB4 and nYNAB
• Developer API for building custom importers and integrations

Use Cases

• Personal or household budgeting with envelope methodology
• Tracking spending across multiple accounts to understand net worth and cash flow
• Privacy-focused finance management with offline-first usage and encrypted sync

Actual Budget is well-suited to people who want full control over their financial data while still having a modern UI, useful reporting, and optional cross-device synchronization.

Firefly III is a free and open source personal finance manager that you can self-host to track expenses, income, budgets, categories and more. It emphasizes privacy and local control over financial data while offering robust budgeting and reporting features.

Key Features

• Double-entry bookkeeping for accurate financial tracking
• Budgets, categories and tags to organize spending
• Advanced data import from banks, CSVs and other sources
• Recurring transactions and a rule engine for automation
• Informative reports and charts to analyze spending
• REST JSON API for integrations with other apps and services
• Multi-currency support with exchange rate handling
• Export/import tooling to migrate data between systems

Use Cases

• Personal finance tracking for individuals or households
• Import and consolidate transactions from bank accounts and other sources
• Build automated workflows and dashboards via API integrations

Conclusion Firefly III is a self-hosted, open source solution that gives users privacy, control, and powerful budgeting/reporting capabilities, along with an API to connect with external tools.

Ghostfolio is open-source wealth management software designed for personal portfolio tracking and long-running operation. It helps you record transactions, monitor net worth, and analyze performance across cash, stocks, ETFs, and cryptocurrencies.

Key Features

• Transaction management (create, update, delete) with import and export
• Multi-account portfolio tracking across platforms and asset types
• Portfolio performance analytics with multiple time ranges (e.g., YTD, 1Y, Max)
• Charts and portfolio composition insights
• Static analysis to identify potential concentration and risk signals
• Progressive Web App (PWA) with mobile-first UI, plus Dark Mode and Zen Mode
• Optional authentication features, including experimental OpenID Connect (OIDC)

Use Cases

• Personal net-worth and portfolio dashboard as an alternative to spreadsheets
• Tracking investments held across multiple brokers/exchanges in one place
• Reviewing allocation, performance, and risk signals to support investment decisions

Limitations and Considerations

• OIDC support is marked as experimental and may require additional setup and testing

Ghostfolio combines a modern web UI with a structured backend to provide a private, data-driven view of your finances. It is well-suited for individuals who want ownership of their portfolio data while still getting analytics and reporting typically found in hosted trackers.

rotki is an open-source portfolio tracking, accounting, and analytics application focused on privacy and local-first data ownership. It helps you consolidate crypto holdings and activity across wallets, exchanges, and DeFi protocols to understand performance and generate accounting views.

Key Features

• Track balances and net worth across multiple blockchains, wallets, and exchanges
• Local storage with privacy-first approach to portfolio and transaction data
• Transaction decoding for clearer interpretation of on-chain activity and exchange events
• Profit/loss (PnL) and accounting reports with configurable settings
• Historical charts and portfolio analytics (net worth, asset breakdowns, performance over time)
• DeFi activity tracking including liquidity pools and staking-related events

Use Cases

• Monitor crypto net worth across multiple accounts and locations in one place
• Produce profit/loss and accounting summaries from trading and on-chain activity
• Analyze DeFi participation (staking, liquidity pools) and its historical impact on performance

rotki is a strong fit for users who want a transparent, self-sovereign alternative to cloud portfolio trackers. It combines portfolio visibility with accounting-focused reporting while keeping sensitive financial data under your control.

OpenBudgeteer is a self-hosted personal budgeting application based on the bucket budgeting principle. It helps you organize money into buckets, track accounts and transactions, and keep an overview of your finances through a simple web interface.

Key Features

• Bucket-based budgeting to plan spending and savings categories
• Account and transaction management for day-to-day finance tracking
• Reporting views to analyze spending and budget progress
• Web UI built with Blazor Server and an MVVM-based .NET core
• Container-friendly deployment options (commonly used with Docker)

Use Cases

• Run a private, self-hosted alternative to YNAB-style budgeting
• Track household income/expenses and monitor category-based budgets
• Review spending patterns using built-in reports before adjusting budgets

Limitations and Considerations

• Focused on personal budgeting workflows; not designed as a full accounting/ERP system
• Requires a supported database setup (commonly MariaDB) and ongoing backups for financial data

OpenBudgeteer is a practical option for individuals or families who want bucket budgeting with full control over their data. Its .NET and Blazor Server foundation makes it suitable for homelabs and server environments where you want a lightweight, private finance tracker.

WYGIWYH (What You Get Is What You Have) is an opinionated, principles-first personal finance tracker focused on a straightforward, no-budget approach to managing money. It helps you track income, expenses, accounts, and investments across multiple currencies with a web-based interface and automation-friendly design.

Key Features

• Unified transaction tracking for income and expenses
• Multiple accounts support (bank accounts, wallets, investments)
• Multi-currency balances and transactions
• Custom currencies (e.g., crypto, reward points, other units)
• Transaction rules for automated adjustments (e.g., billing cycle quirks)
• Built-in dollar-cost averaging (DCA) tracker for recurring investments
• API support to enable integrations and automation workflows

Use Cases

• Track household finances across multiple accounts and currencies without budgeting envelopes
• Monitor recurring investments (stocks/crypto) using the built-in DCA tracker
• Integrate transaction syncing or workflows through the automation-ready API

Limitations and Considerations

• Some features may be disabled in demo mode (such as API, rules, exchange rates, and import/export)
• Designed around a specific “use what you earn this month” philosophy, which may not suit all budgeting styles

WYGIWYH is a solid fit for users who want a clean, web-based finance tracker with strong multi-currency support and investment tracking, while keeping day-to-day money management simple. Its rule system and API make it especially useful for those who prefer automating parts of their financial tracking.

Investbrain is an open-source web app for tracking investment portfolios across brokerages, monitoring performance, and analyzing holdings over time. It supports multiple market data providers and can optionally add an LLM-powered chat assistant grounded on your portfolio data.

Key Features

• Portfolio, holdings, and transaction tracking with performance monitoring
• Extensible market data provider interface with fallback across providers
• Historic charts and daily performance snapshots for trend analysis
• Smart search across portfolios and holdings
• Import/export for data portability and backups
• One-click backup and recovery workflow
• Collaboration features with configurable portfolio access
• Internationalization, accessibility, dark mode, and mobile-responsive UI
• Optional AI chat assistant via OpenAI-compatible APIs (including self-hosted endpoints)

Use Cases

• Consolidate portfolios from multiple brokerages into a single view
• Track portfolio performance over time with charts and daily change snapshots
• Explore holdings and strategies using search and AI-assisted Q&A

Limitations and Considerations

• AI chat requires configuring an OpenAI-compatible API endpoint and model, and outputs may be inaccurate
• Market data quality, coverage, and rate limits depend on the selected provider and API keys

Investbrain is a strong choice for privacy-conscious investors who want a self-managed portfolio tracker with flexible market data sources and optional AI-assisted analysis. Its provider interface and import/export tools make it practical for long-term tracking and data ownership.

monetr is a budgeting application designed to help people plan for recurring expenses and understand how much money is truly available after setting funds aside for bills. It emphasizes cash-flow clarity by showing what is “left over” and provides forecasting to help you see how your finances will evolve over time.

Key Features

• Budget planning centered around recurring expenses on flexible intervals (not limited to monthly budgeting)
• “Leftover” view to clearly show available money after allocating funds to budgets
• Financial forecasting based on budgets and expected transactions
• Automated bank balance and transaction syncing via Plaid (optional)
• Mobile-friendly interface with support for an installable web app experience
• Source-visible project with a self-hosting-first approach

Use Cases

• Personal budgeting to ensure recurring bills are covered while tracking discretionary spending
• Cash-flow forecasting to anticipate low-balance periods and plan savings goals
• Expense tracking with reduced manual entry when using Plaid for transaction updates

Limitations and Considerations

• Bank synchronization relies on Plaid credentials and supported institutions

monetr is well-suited for users who want budgeting that aligns with real recurring obligations and a clear view of spendable money. Its forecasting and optional automated bank updates make it useful for ongoing financial planning without relying solely on manual transaction management.

SparkyBudget is an open-source personal finance web application that helps users track accounts (Checking, Credit Card, Loan), manage budgets and recurring items, and analyze historical spending and net cash over time. It is delivered as a Flask-based web app with a dark-themed UI and is prepared for Docker-based deployment. (github.com)

Key Features

• Account tracking for multiple account types (checking, credit, loan) and transaction history.
• Budget creation and recurring budget/transaction support for monitoring periodic expenses.
• Spending analysis and historical views to evaluate net cash and trends.
• Local SQLite database shipped as demo/sample DB for testing and import (demo DB included in repository).
• Implementation details: Flask backend, gunicorn WSGI server, Python 3.10-compatible code, and Docker/Docker Compose deployment files for easy local hosting. (raw.githubusercontent.com)

Use Cases

• Personal finance tracking for individuals who prefer a self-hosted, privacy-focused budget tool.
• Testing and development: reviewers or contributors can run the included demo SQLite DB to explore features without connecting bank APIs.
• Home server / local Docker deployment for small households wanting historical spending analysis and simple budgeting.

Limitations and Considerations

• Integrations: the project references a third-party SimpleFin token flow for importing transactions; token handling is single-use and requires manual reset steps described in the repository README.
• Feature maturity: repository is focused on core budgeting and analysis — advanced features like multi-user accounts, real-time bank integrations, or mobile apps are not present in the source repository.

SparkyBudget provides a concise, self-hostable budgeting web app suitable for individuals who want a straightforward Flask-based solution for tracking accounts and budgets. The repository includes Docker Compose, an example .env, and a demo SQLite database to get started quickly. (github.com)

YAFFA is a self-hosted, open-source personal finance web application designed to help users track accounts, transactions, budgets and investments with a focus on long-term planning and forecasting. It is implemented in PHP using the Laravel framework and provides a desktop-optimized responsive UI for managing finances locally without cloud data sharing. (github.com)

Key Features

• Multi-currency support with daily exchange-rate updates and a configurable default currency.
• Account and account-group management, unlimited accounts for cash, cards and investment tracking.
• Transaction recording with category splitting, assisted entry (suggestions) and scheduled/recurring transactions for forecasting.
• Investment tracking with automatic price retrieval for gain/loss calculations (requires external API keys as configured).
• Optional AI-based receipt processing from email (requires OpenAI API key) to generate draft transactions automatically.
• Docker-based deployment and provided compose examples for quick local or VPS installs; includes a sandbox/demo environment for trialing the app.

(github.com)

Use Cases

• Individuals who want a privacy-first finance manager to track spending, budgets and long-term forecasts on a self-hosted instance.
• Users who want to combine manual transaction entry with automated scheduled transactions and investment tracking for portfolio overviews.
• Technical users or small households who prefer running a locally hosted web app (Docker/VPS) rather than a cloud-based budgeting service.

(yaffa.cc)

Limitations and Considerations

• No built-in automatic bank transaction import; the project intentionally favors manual or scheduled entry over direct bank downloads.
• No official native mobile app; the interface is responsive but primarily optimized for desktop browsers.
• Some import/export features (QIF/CSV) and multi-user/family support are noted as experimental or planned rather than complete.

(github.com)

YAFFA provides a practical, privacy-focused option for self-hosting personal finance management with a Laravel backend, Docker deployment support and optional AI-assisted receipt processing. It is suitable for users comfortable with managing their own server environment who prioritize data control and long-term financial planning.