Best Free & Open Source Alternatives to Rocket Money

Actual Budget is an open-source personal finance application built on the zero-sum budgeting method, where you assign every dollar a job. It runs entirely locally in your browser or as a desktop app, with all data stored on your own machine.

Actual's standout feature is its local-first architecture — data is stored in a SQLite database on your device, so it works completely offline. An optional self-hosted sync server lets you synchronize between multiple devices while keeping all your data under your control. The sync server is easy to deploy via Docker.

Key features include envelope/category budgeting, automatic transaction import via CSV or bank APIs (with community plugins), spending reports, net worth tracking, and split transactions. Actual was originally a paid app before being open-sourced; the codebase reflects that polish. It is an excellent private alternative to YNAB or Mint for budget-conscious users who want full data ownership.

ezBookkeeping is a lightweight, self-hosted personal finance app that helps you record daily transactions, import data from various sources, and quickly search and filter your spending. It ships with two-level accounts and categories, image attachments per transaction, location tracking with maps, scheduled transactions, scheduled transactions, and advanced filtering, search, and visualization tools to understand spending patterns and financial trends over time.

Designed to be resource-efficient, it runs smoothly on a Raspberry Pi, NAS, or MicroServer, and supports SQLite, MySQL, and PostgreSQL out of the box. A tailored mobile UI plus PWA support means you can add it to your home screen and use it like a native app, while AI features like receipt image recognition, MCP support, and an agent skill let you drive it from Claude or other AI assistants. Multi-currency, multi-timezone, and 16+ language translations cover international use.

Unlike commercial finance tools that lock your data on someone else's servers, ezBookkeeping is MIT-licensed and self-hostable with a single Docker command. It imports and exports CSV, OFX, QFX, QIF, IIF, Camt.052/053, MT940, GnuCash, Firefly III, and Beancount formats, so you can migrate from Mint, YNAB, GnuCash, or any other tool without losing history.

Firefly III is a self-hosted personal finance manager that follows the double-entry bookkeeping principle. It gives you a clear overview of your finances with transactions, budgets, categories, piggy banks (savings goals), and bills tracking.

Key features include the ability to import transactions from banks via CSV or OFX files, a powerful rule engine that automatically tags and categorizes transactions, recurring transactions, debt tracking, and detailed reports with charts. The API allows integrations with mobile apps and automation tools.

Firefly III is an excellent self-hosted alternative to services like Mint, YNAB, or You Need a Budget for users who want full control over their financial data. It runs on any web server with PHP, or can be deployed via Docker. The mobile app (companion tool) is available for iOS and Android.

BudgetBee is an open-source, self-hosted personal finance manager that gives you complete ownership of your financial data. Deployed with a single docker-compose command, it runs entirely on your own infrastructure — no third-party cloud service ever touches your data.

It covers the full range of personal finance needs: transaction tracking across multiple accounts, category-based budgeting with real-time progress, net worth overview, recurring expense scheduling, and rich charts for visualising spending patterns. It also supports multi-user setups, multiple currencies, and data import from Excel or JSON.

BudgetBee is a strong self-hosted alternative to subscription services like YNAB or the now-defunct Mint. Its stack — Laravel on the backend, React + Vite + Tailwind on the frontend, and MySQL as the database — makes it familiar and easy to extend for developers.

A simple, self-hosted alternative to Mint for tracking monthly spending and working toward your financial goals.
👉 GitHub Repository

⭐ Highlights

• Open-source project licensed under GPL-3.0
• 334 stars and 26 forks on GitHub (as of Sept 2025)
• Built with C#, .NET, TypeScript, and React

🚀 Why Budget Board?

With Mint shutting down, Budget Board was created to fill the gap—offering a self-hosted, private, and customizable budgeting tool.

“The interface should feel familiar if you’ve used Mint. … much of the core design is similar.”
— User feedback on Reddit

📊 Core Features

Data Aggregation

• Sync bank account data automatically with SimpleFIN
• Import transactions manually via CSV files
• Add accounts or transactions by hand

Dashboard

• Overview of your accounts and spending in one clean interface

What is Securo

Securo is an open-source, self-hosted personal finance manager built around a simple promise: your financial data stays on your machine. It links bank, credit card, and investment accounts, tracks transactions, runs budgets and savings goals, and visualizes net worth over time — all backed by a PostgreSQL database on your own server rather than a third-party SaaS.

The project positions itself as a privacy-first successor to the kind of all-in-one finance dashboards that have moved to subscription pricing. The web frontend is React/TypeScript, the backend is FastAPI on PostgreSQL, and the whole stack ships as a Docker Compose project that you can run on a homelab box or a managed VPS.

Key features

• Bank sync through pluggable providers: Pluggy for Brazilian banks, Enable Banking for around 2,500 European PSD2 banks, and SimpleFIN for US and international banks.
• Multi-account management with running balances, transaction search, filters, and CSV export.
• File import for OFX, QIF, CAMT, and CSV, so you can bring in historical data from a previous tool.
• Auto-categorization rules engine, recurring transactions, monthly budgets, and savings goals with progress tracking.
• Investment tracking with manual valuations, growth rules, and a Net Worth report.
• Multi-currency with automatic FX conversion via Open Exchange Rates.
• Splits for shared expenses with households, partners, or roommates.
• Multi-user with an admin panel, registration controls, TOTP two-factor authentication, OIDC SSO (Authentik, Pocket ID, and any standard provider), and passkey login (Touch ID, Face ID, Windows Hello, security keys).
• Optional AI Agents: a self-hosted LLM chat with tool-use over your Securo data, MCP server integration, and a per-agent RAG knowledge base. Works with OpenAI, Anthropic, Ollama, and any OpenAI-compatible endpoint. Off by default and disabled when the extra container is not running.
• Reports: Net Worth over time, Income vs Expenses, and per-category sparklines.

How it compares to Mint, YNAB, Monarch, and Rocket Money

Mint was the category benchmark but was shut down in 2024. Most of its users moved to paid SaaS replacements: Monarch Money, Rocket Money (formerly Truebill), Empower (rebranded from Personal Capital), or to envelope-based tools like YNAB. All of them are subscription services that hold your bank credentials and transaction history on their infrastructure.

Securo covers the same feature surface — account aggregation, budgets, goals, net worth, shared expenses — but runs entirely on your own server. Bank credentials are stored in your .env and never leave your machine; transactions live in a local PostgreSQL. The tradeoff is that you operate the stack yourself: Docker, a reverse proxy, and HTTPS for passkeys. You also get features the paid services don't, like self-hosted AI agents over your own data and full data export to CSV at any time.

Self-hosting

The fastest path is the official installer: