securo

Mint is gone and most replacements want your bank credentials sitting on their servers. Securo is the self-hosted answer: a personal finance manager that runs on your infrastructure, tracking accounts, transactions, budgets, goals, and net worth with no company in between. AGPL-3.0, and the Linux and macOS install is a single curl command that will bring up Docker for you if you do not have it.

The feature list runs further than most self-hosted finance projects manage. Multi-account balances, an auto-categorization rules engine, recurring transactions, budgets, savings goals, asset valuation tracking, net worth and income-versus-expenses reports, multi-currency with automatic FX, and file import for OFX, QIF, CAMT, and CSV. Multi-user with an admin panel, TOTP two-factor, and OIDC login against Authentik or Pocket ID are all in the free build, which is unusual this early. The stack is FastAPI, Postgres, Redis and Celery behind a React front end, so budget a small VPS or a home server and the backup discipline that comes with owning your own financial data.

Nothing is paid and there is no cloud tier waiting to upsell you, so the trade is time instead of money. Solo: this is the whole point, run it on a box you control. Households and small groups: multi-user and OIDC mean it genuinely works for more than one person. Companies: this is personal finance, not accounting software, so look elsewhere.

The catch is that bank sync is where free stops being free. The connectors are optional and each needs your own account with a third-party aggregator: Pluggy for Brazilian banks, Enable Banking for roughly 2,500 European PSD2 banks, SimpleFIN for US and international. Those aggregators have their own pricing and their own coverage gaps, and if your bank is on none of them you are importing CSV files by hand forever. AGPL-3.0 also means that if you host a modified copy for other people, your changes go back to the community.