Best Self-hosted Alternatives to Spendee

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.

Wallos is an open-source, self-hostable web application for managing recurring subscriptions and household finances. It provides a responsive web UI, multi-currency support and notifications to help users track and visualize their recurring expenses.

Key Features

• Track recurring subscriptions, next payment dates and yearly totals.
• Category management with customizable categories and sorting options.
• Multi-currency support with exchange rate conversion (Fixer integration).
• Notifications through multiple channels (email, Discord, Pushover, Telegram, Gotify, webhooks).
• Mobile-responsive UI with statistics and graphs for spending insights.
• Logo search to automatically fetch service logos and a PWA-friendly manifest/service worker.
• OIDC/OAuth support for single sign-on providers.
• Optional AI-driven recommendations using ChatGPT, Gemini or a local Ollama instance.

Use Cases

• Personal or household budgeting and tracking of subscription services.
• Small group or family shared tracking of recurring payments and member management.
• Self-hosted alternative for users wanting privacy and control over subscription data.

Limitations and Considerations

• Requires PHP 8.3 with specific extensions (curl, dom, gd, imagick, intl, openssl, sqlite3, zip, mbstring, fpm) and an HTTP server (NGINX or Apache).
• Default repo uses SQLite which is convenient for single-server deployments but may limit scalability for very large multi-user installations.
• AI recommendations and currency conversion require external API keys or services; using hosted AI or conversion APIs may expose some metadata to those providers.
• Demo environment resets its database periodically (the public demo is reset every two hours), so it is not suitable for long-term data testing.

Wallos is a compact, privacy-oriented option for anyone who wants a self-hosted subscription tracker with built-in notifications and optional AI recommendations. It is suited to home users and small groups who prefer to run their own instance and control their financial data.

Fava is a web-based user interface for the Beancount plain-text, double-entry accounting system. It provides an interactive way to browse your ledger, review balances and performance, and explore transactions with a focus on usability.

Key Features

• Interactive reports for balances, income/expenses, and account activity
• Transaction and entry browsing with filtering and search
• Querying and exploration tools tailored to Beancount data
• Visualizations and charts to help understand financial trends
• Designed to work directly with Beancount ledger files and workflows

Use Cases

• Personal finance tracking using a plain-text double-entry ledger
• Reviewing budgets, category spending, and account balances over time
• Auditing and exploring transactions for reconciliation and reporting

Fava is a strong choice if you already use Beancount and want a convenient web UI for analysis and day-to-day review. It complements plain-text accounting workflows by making ledgers easier to navigate and interpret.

ExpenseOwl is a minimalist expense tracking app designed for quick, manual tracking without budgeting complexity. It provides a modern web UI focused on monthly category breakdowns and a simple cashflow summary.

Key Features

• Fast add for expenses and income (date, amount, category; optional name and tags)
• Monthly dashboard with pie-chart category breakdown and cashflow indicator
• Table view to browse and delete transactions with browser-based searching
• Recurring transactions for both expenses and income
• Custom categories, currency symbol, and custom month start date
• CSV import/export with flexible date parsing (expects YYYY-MM-DD order)
• Light/dark themes and Progressive Web App (PWA) install support
• Storage backends: local JSON files (default) or PostgreSQL via environment variables
• Packaged as a self-contained binary and as a multi-architecture Docker image

Use Cases

• Personal or homelab expense tracking with a quick monthly overview
• Tracking spending by category without budgets, accounts, or complex rules
• Migrating from other tools by importing exported CSV data

Limitations and Considerations

• No built-in authentication; place behind an authentication-capable reverse proxy if exposed
• Primarily designed for single-user usage rather than multi-user or shared household accounting

ExpenseOwl is a good fit when you want a responsive interface and simple monthly insights with minimal setup and ongoing maintenance. It favors speed and clarity over advanced finance features.

IHateMoney is a web application for managing shared expenses within a group. It records who paid for what and for whom, then computes balances to help the group settle up fairly.

Key Features

• Create shared “projects” for a group budget without requiring user accounts for every participant
• Track expenses with payer, amount, date, and participants/beneficiaries
• Automatic balance calculation to show who owes whom
• Simple, lightweight web interface designed to work well on mobile
• Multiple storage backends supported, including SQLite, PostgreSQL, and MariaDB

Use Cases

• Split costs for roommates (rent-related purchases, utilities, groceries)
• Track shared spending during group trips and holidays
• Manage ongoing shared budgets for small clubs or recurring activities

Limitations and Considerations

• Project direction prioritizes simplicity and stability over major new features, with a more maintenance-focused roadmap

IHateMoney is a practical choice for groups that want a minimal, straightforward expense splitter with easy project-based sharing. It focuses on keeping setup and day-to-day usage simple while still covering the essentials needed to settle shared bills.

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.

Budget Board is an open-source personal finance application designed to track monthly spending and help you work toward financial goals. It centralizes accounts, assets, transactions, and budgets, with optional syncing via supported providers.

Key Features

• Dashboard overview of balances, uncategorized transactions, and spending trends
• Account management for checking, savings, credit cards, and manual balance updates
• Asset tracking with value changes over time
• Transaction management with categories, subcategories, and custom categories
• Monthly budgeting with rollups across months and net cash flow calculations
• Goals for savings and loan payoff, including interest-aware projections
• Trends and charts for spending, cash flow, assets, liabilities, and net worth
• CSV transaction import and automation rules to update transaction fields during sync
• Authentication options including local login with 2FA and OIDC support

Use Cases

• Replacing Mint-style budgeting and transaction tracking with a self-hosted solution
• Managing multiple accounts and assets to monitor net worth over time
• Creating budgets and rules-based categorization to control monthly spending

Budget Board combines budgeting, goal tracking, and analytics in a simple interface, with flexible data entry and optional bank synchronization. It is well-suited for individuals who want ownership of their personal finance data while still getting useful dashboards and trend insights.

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.

Ocular is an open-source budgeting application focused on clarity and simplicity. It provides a progressive web app interface to track budgets across multiple years, visualize cash flow, and manage user access while keeping data local to your deployment.

Key Features

• Progressive Web App (installable, mobile-optimized) with light and dark themes
• Dashboard with detailed statistics and a sankey diagram for cash-flow visualization
• Import data from a Google Sheets annual planner and export as a single JSON file
• Multi-year budgeting support and multi-currency localization
• Privacy mode for obscuring sensitive information in public settings
• User management and authentication for multi-user setups
• Keyboard navigation and fast, minimalist UI for power users
• Deployable via Docker Compose for self-hosted installations

Use Cases

• Personal finance: maintain and analyze household or personal budgets across years
• Small teams or family budgets: share and manage budgets with user accounts
• Financial visualization: explore income and expense flows with sankey diagrams for planning and reporting

Ocular is aimed at users who want a simple, local-first budgeting experience with modern UI features and exportable data. Its PWA approach makes it convenient for mobile use while Docker deployment enables self-hosted persistence and multi-user setups.

Facto (Family Accounting Tool) is a web application for tracking household and family finances. It records transactions, assigns beneficiaries and payment methods, computes internal debts between members, and provides cash flow reconciliation and category-based statistics.

Key Features

• Record detailed transactions with beneficiary, payment method, and signed flow (income/expense)
• Automatic internal-debt calculation to track who owes whom for shared purchases
• Cash flow overview for reconciliation of physical and account balances with manual "set" and verification actions
• Category and account model (members + common account) with special categories for accounting and endowments
• Admin user management with command-line helpers to create admin user and initialize the database
• Configurable via HOCON-style application.conf and a separate accounting-config.yml for preferences
• Runs on Java 11 / JVM and uses a relational database (recommended MariaDB/MySQL); Docker Compose available for demo usage

Use Cases

• Household budgeting and expense tracking across multiple family members and shared accounts
• Tracking reimbursements and internal debts when one member pays shared expenses
• Detecting unexpected or hidden banking costs via cash flow reconciliation and monthly statistics

Limitations and Considerations

• Docker Compose is provided for demo/testing but is discouraged for production deployments; recommended production install uses the provided binaries and manual configuration
• Requires Java 11 and a MariaDB/MySQL-compatible database; initial setup requires editing configuration files and running included server scripts
• A default admin user is created during setup with a known initial password and must be changed for secure operation

Facto is a focused, minimal family accounting system intended for self-hosted use. It is suitable for families who want a structured way to split expenses, reconcile cash, and maintain simple internal bookkeeping without enterprise accounting complexity.

Kresus is an open-source personal finance manager designed for self-hosting. It provides a web interface to aggregate bank histories, view overall balances and categorize spending using tags. Kresus delegates bank connectivity to the Woob project to retrieve banking data.

Key Features

• Aggregate banking history and balances from multiple accounts into a unified web UI
• Tag-based transaction categorization for tracking spending and generating reports
• Uses Woob as a connector layer to import data from banks and financial institutions
• Multi-account support and consolidated balance overview
• Clean, TypeScript-based user interface and backend components for manageability

Use Cases

• Monitor personal or household finances across multiple bank accounts
• Categorize transactions and analyze spending patterns using tags and dashboards
• Import and consolidate historic account data from banks that Woob supports

Limitations and Considerations

• Bank connectivity depends on Woob; coverage varies by country and bank and may break when banks change their sites
• Some banks provide stronger APIs (e.g., PSD2) that may require separate connectors or manual configuration
• Maintenance of bank scrapers can require occasional intervention when authentication flows or website layouts change

Kresus is suitable for users who want full control over their financial data and prefer a self-hosted, privacy-focused finance dashboard. It is focused on transaction aggregation and tagging rather than full enterprise accounting features.

FinPal (formerly DollarDollar) is an open-source, self-hosted personal finance platform for expense tracking, budgeting, bill-splitting and portfolio tracking. It provides account synchronization, multi-currency support and tools for collaborative group expenses while keeping data under user control.

Key Features

• Expense tracking with multi-account and multi-card support, recurring transactions, and date-based history
• Bill splitting for groups with multiple split methods (equal, custom amount, percentage) and settlement tracking
• Budgets with notifications, monthly summaries, category-based spending analysis, and trend visualizations
• Transaction importing (CSV, SimpleFin) and auto-categorization with customizable rules and multi-category support
• Portfolio and investment tracking with automatic price updates and portfolio performance views
• Authentication options: local login plus OpenID Connect (OIDC) integration for enterprise providers
• Deployable via Docker and Docker Compose; recommended workflows include database migrations and optional Unraid templates

Use Cases

• Personal budgeting and expense management with multi-currency accounts and recurring payment schedules
• Shared household or group expense tracking and automated bill-splitting with invitations and balance settlement
• Small team or project finance oversight including portfolio tracking and category-based spending reports

Limitations and Considerations

• The project is undergoing a rebrand and architectural evolution into the PalStack/FinPal ecosystem; some components (mobile app and expanded cloud options) are still in development
• Setup requires container tooling (Docker, Docker Compose) and occasional manual database migrations after updates
• Some sync integrations and advanced analytics features are listed as forthcoming and may be incomplete depending on release

FinPal is intended for users who want full control over their financial data with flexible group workflows and extensible deployment options. It combines traditional expense management with portfolio features and enterprise-friendly authentication choices.

A simple single-page web application for tracking and managing recurring subscriptions and related expenses. It provides a compact interface to add, edit, delete, and view subscriptions, plus summaries and notifications to stay on top of upcoming payments.

Key Features

• Add, edit, and delete subscription entries with custom icons for each service
• Calendar view to visualize upcoming payments and billing dates
• Automatic calculation of weekly, monthly, and yearly totals
• Detailed summaries grouped by payment account
• Multi-currency support for tracking subscriptions across currencies
• Notification integration with NTFY for upcoming payment alerts
• Stores data in a local SQLite database and can run in Docker/Docker Compose
• Built with Next.js, React, and TypeScript for a modern single-page experience

Use Cases

• Personal finance: track recurring bills, subscriptions, and total recurring spend
• Reminders: receive NTFY notifications for upcoming payments to avoid missed charges
• Account reconciliation: view per-payment-account summaries and period totals for budgeting

Limitations and Considerations

• No built-in multi-user accounts or authentication; intended primarily for single-user/local use
• Notifications require an external NTFY service configured by the user
• Uses SQLite for local persistence, which may not be suitable for very large multi-user deployments

Subscription Manager is a lightweight, local-first tool for individuals who want a focused interface to manage recurring payments. It is optimized for easy self-hosting via Docker and provides quick insights into subscription spending without complex configuration.

MyFin is an open-source web frontend for managing personal finances. It provides budgeting, transaction tracking, account management and forecasting tools designed for individual users. The frontend pairs with a separate API backend and has companion mobile and API projects.

Key Features

• Multilingual UI with built-in English and Portuguese support
• Manual transaction entry and batch import from CSV or clipboard
• Split transactions to allocate amounts across categories
• Account, category and entity management with running balances
• Rules and auto-categorization to speed up imports
• Boonzi-style month-by-month budgeting and budget forecasts
• Statistics and patrimony evolution charts with future forecasting
• Basic investment tracking (marked as beta)
• Multiple UI themes (light/dark) and a provided demo account
• Distributed as a Docker-ready frontend; separate API and mobile app repositories

Use Cases

• Track daily expenses, income and account balances across multiple accounts
• Create and manage monthly budgets and forecast long-term finances
• Import bank CSV exports and auto-categorize recurring transactions for faster reconciliation

Limitations and Considerations

• The project is a frontend and requires the separate API backend to be deployed for full functionality
• No built-in direct bank aggregation or ACH/PSD2 integrations; imports are CSV/clipboard based
• Investing features are experimental/beta and may lack full feature parity

MyFin is suitable for users who want a self-hosted, privacy-focused personal finance UI with strong budgeting and import tools. It is modular: developers can extend or pair it with different backends or integrations as needed.

Piglet is a lightweight web application for managing household budgets and tracking expenses. It provides a simple web UI and a REST API for recording, categorizing and comparing expenditures across users and budgets.

Key Features

• Web-based dashboard for adding, categorizing and reviewing expenses
• REST API alongside the web UI for integrations and automation
• Multi-user support and budget sharing for families or groups
• Monthly reporting and basic analytics to track spending over time
• Docker image and docker-compose configuration for easy deployment
• Uses MariaDB as the primary persistent backend; environment variables control DB and mail settings
• Secure authentication with configurable cookie security (SECURE_COOKIE env var)

Use Cases

• Personal or household expense tracking and budgeting
• Shared family budgets with per-user expense categorization
• Lightweight backend for integrating expense data into other tools via the API

Limitations and Considerations

• Default configuration sets insecure cookies to allow HTTP by default; HTTPS and SECURE_COOKIE should be enabled for internet-facing instances
• Limited admin settings in the web UI (mail server and other admin controls are minimal or planned)
• UI has a few known visual issues (dark mode reload flashing, navigation behavior) and mobile styling is incomplete
• Feature set is intentionally simple — advanced accounting features, multi-language support, and password-change via UI are listed as roadmap items

Piglet is suited for users who want a simple, self-hosted budget manager with straightforward deployment via Docker and a small operational footprint. It prioritizes ease of use and privacy while remaining extensible via its API.

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.

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.

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.

Thrifty is a minimal web application for tracking monthly income and expenses. It provides a straightforward UI for adding, editing, and deleting income/expense entries and exposes a small Go API with Swagger documentation.

Key Features

• Add, edit, and delete income and expense entries through a SvelteKit UI.
• Two-row layout for income and expenses with responsive collapse to a single column on small screens.
• API implemented in Go with OpenAPI/Swagger documentation available at the API's swagger endpoint.
• Currency configurable via environment variable to display different ISO currency symbols.
• Supports SVG icons for categories/entries and stores data in a local SQLite database (docker volume by default).
• Distributed as Docker images and runnable via docker-compose; builds provided for amd64 and arm64.
• Development-friendly: frontend uses pnpm (Node) and SvelteKit; backend is a Go module with optional Swag tooling for generating docs.

Use Cases

• Personal monthly budgeting and quick cash-flow overviews for individuals.
• Lightweight self-hosted finance tracker for households or small teams that do not require advanced accounting features.
• Developer/demo projects where a simple full-stack example (SvelteKit + Go + SQLite + Docker) is needed.

Limitations and Considerations

• Intentionally minimal feature set: not designed for detailed transaction categorization, multi-account reconciliation, or full bookkeeping.
• No built-in user authentication or multi-tenant/multi-user account management in the default setup.
• Uses SQLite for storage by default, which limits horizontal scaling and concurrent write-heavy workloads compared with server-grade databases.

Thrifty is best suited for users who want a simple, self-hosted personal finance tracker or a compact full-stack reference app. It prioritizes simplicity and ease of deployment over advanced accounting features.

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.

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.

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.

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.

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.