Securo

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:

curl -fsSL https://usesecuro.com/install.sh | bash

On Windows, or if you prefer manual control, clone the repo, copy .env.example to .env, and run docker compose up --build. A community Helm chart is published for Kubernetes. The frontend runs on port 3000 by default; the API and workers sit behind it. A live demo is available at demo.usesecuro.com.