8 Best Open Source PocketGuard Alternatives
A curated collection of the 8 best open source and self-hosted alternatives to PocketGuard in 2026.
Looking for a free, privacy-friendly, or self-hosted replacement for PocketGuard in 2026? The top open-source alternative is Maybe — Open source personal finance app.
Other highly rated open-source PocketGuard alternatives include Actual, Firefly III and Sure.am.
Open source personal finance app
Maybe Finance is a self-hosted personal finance application designed to help individuals and small teams manage their money with privacy and control. Built with modern web technologies, it offers a comprehensive suite of tools for budgeting, expense tracking, and financial insights. - Self-Hosted: Full control over your financial data with optional self-hosting - Budgeting Tools: Create and manage budgets with customizable categories - Expense Tracking: Monitor spending with detailed transaction categorization - Financial Insights: Generate reports and analytics on your spending habits - Multi-Currency Support: Track finances in multiple currencies - Privacy Focused: No third-party tracking or data collection - Open Source: Fully transparent codebase with community contributions - Modern UI: Clean, intuitive interface for easy navigation - Tech Stack: Ruby on Rails, PostgreSQL, React - Self-Hosting: Docker-based deployment available - Requirements: Docker, Docker Compose, PostgreSQL - Installation: Single command deployment with Docker Compose - Updates: Regular updates with community-driven improvements
Privacy-focused envelope budgeting app with local-first sync and end-to-end encryption
Actual Budget is a fast, privacy-focused finance management app built around the proven Envelope Budgeting methodology. Unlike automated finance tools, Actual empowers you with control and clarity over your financial decisions. - Local-first architecture: Works offline with background sync across devices, ensuring privacy and reliability - Envelope budgeting: Realistic budgeting based on your actual income and spending, not estimates - End-to-end encryption: Optional E2E encryption keeps your financial data private even from the sync server - Multi-account tracking: View net worth and cash flow across all your financial accounts in one place - Bank sync integration: Built-in support for goCardless (EU/UK) and SimpleFIN (US/Canada) bank syncing - Transaction management: Streamlined interface for fast transaction entry, categorization, and split transactions - Reporting engine: Customizable reports including net worth, cash flow, and user-designed templates - Data portability: Import from YNAB4, nYNAB, QIF, OFX, QFX, CAMT.053, and CSV files - Undo/redo system: Robust version control for your financial data - Developer API: Full-featured local API for custom importers and integrations - Dark mode: System-aware theming options - Self-hosting: Full control over your sync server and data storage Actual is built as a local-first application with optional cloud sync. The core app runs entirely on your device while syncing changes across devices in the background. For maximum privacy, you can self-host the sync server or enable end-to-end encryption. The application is distributed as a desktop app with web-based demo available. Installation options include manual setup or one-click deployment through services like PikaPods.
Track transactions, budgets, and accounts with a double-entry system, multi-currency support, rule engine, and REST API. Fully self-hostable.
Track transactions, budgets, and accounts with a double-entry system, multi-currency support, rule engine, and REST API. Fully self-hostable.
Open-source personal finance tracker
Sure is an open-source personal finance platform designed to help individuals track, optimize, and manage their money effortlessly. Whether you're monitoring bank accounts, stocks, crypto, or debts, Sure provides a unified dashboard with AI-powered insights to simplify financial management. - Track Everything: Link bank accounts, stocks, crypto, and assets in one place with support for over 10,000 institutions. - Manual & Automated Transactions: Edit, categorize, and automate transactions with custom rules and CSV imports. - Budgeting & Optimization: Set limits, track spending, and receive AI-driven recommendations to optimize finances. - AI Assistant: Ask questions about your finances and get instant answers powered by AI. - Multi-Currency Support: Monitor assets and transactions in any currency. - Privacy-Focused: Open-source and self-hostable for full data control. - Community-Driven: Built by and for everyone, with active community support. - Open Source: Available on GitHub. - Self-Hosting: Deployable via Docker or manual setup. - Tech Stack: Ruby on Rails, PostgreSQL, React. - Documentation: Docs - Community: Join the Discord for support and contributions.
Open source budgeting tool for privacy-focused wealth building
Financial Freedom is a self-hosted personal finance manager designed to help you stay on budget and build wealth without sacrificing your privacy. Unlike traditional financial tools that require trusting third parties with your sensitive data, Financial Freedom puts you in complete control of your financial information. - Bank Compatibility: Works with any bank that supports CSV exports, ensuring broad compatibility with financial institutions worldwide. - Automated Sync (Coming Soon): Future integration with API services like Plaid or Finicity for automated account data synchronization, plus a decentralized alternative for ultimate privacy. - Self-Hosting: Deploy Financial Freedom anywhere Docker runs—from cloud providers to a Raspberry Pi in your basement. - Privacy-First Design: Keep your financial data completely private and under your control, away from corporate or third-party access. - Wealth Building Tools: Track spending, create budgets, and set financial goals to help you build long-term wealth responsibly. - Open Source: Fully transparent codebase built on trusted open-source technologies. Financial Freedom is built on a robust stack of open-source technologies: - Laravel: A popular PHP framework known for its expressive and elegant syntax. - Redis: An in-memory data store used for caching, streaming, and message brokering. - Meilisearch: A flexible and powerful search engine for fast, user-focused searches. - Docker: Containerized delivery for easy deployment and scalability. - MariaDB: A reliable open-source relational database engine. - TailwindCSS: A utility-first CSS framework for rapid modern web development.
Open source paycheck-by-paycheck budgeting app
monetr is a personal finance application designed to help you manage your money paycheck by paycheck. It provides tools to budget effectively, track recurring expenses, and forecast your financial future with confidence. - Paycheck-by-Paycheck Budgeting: Manage your finances based on your paycheck schedule rather than a fixed monthly budget. - Recurring Expense Tracking: Budget for expenses that occur at any interval, not just monthly. - Bank Integration: Connect securely to your bank via Plaid for automated transaction updates. - Manual Transaction Uploads: Import OFX files directly from your bank for easy data entry. - Financial Forecasting: See a forecast of your finances based on your budget to plan ahead. - Mobile-Friendly: Access monetr on any device, including as a web app on desktop or mobile. - Self-Hosting: Deploy monetr on your own hardware for complete data privacy. - Open Source: All source code is publicly available for transparency and community contributions. monetr is built with modern web technologies and can be self-hosted on your own infrastructure. The project is open source and provides detailed installation guides for various deployment scenarios. It emphasizes data privacy and security, making it suitable for users who prefer to keep their financial data under their own control.
Privacy-first self-hosted personal finance tracker
YAFFA is a free, self-hosted personal finance application designed to help individuals track income and expenses, plan budgets, and monitor investments—all while ensuring complete data privacy. Unlike many budgeting apps, YAFFA does not require bank account access, keeping your financial information secure on your own server. - Privacy-First Design: No bank connections or third-party cloud storage—your data stays on your server. - Intuitive Transaction Management: Smart suggestions, automated receipt processing, and categorized spending insights for effortless budgeting. - Comprehensive Budgeting: Plan ahead with scheduled transactions, budgets, and detailed financial reports. - Investment Tracking: Gain insights through forecasted data and investment monitoring tools. - All-Accounts Dashboard: View balances, net worth, and cash flow in one place with visual waterfall charts. - No Setup Required: Test YAFFA instantly in the free sandbox before self-hosting. - Open Source: Fully transparent codebase under the MIT License. - Multi-Platform Support: Works on any device with a modern web browser. YAFFA is built with modern web technologies and can be self-hosted on your own server or local machine. The application supports Docker for easy deployment and includes comprehensive documentation for installation and setup. For more details, visit the official documentation. Quick Start: - Try the sandbox demo to explore features without installation. - Follow the installation guide for self-hosting. - Start tracking your finances with YAFFA’s intuitive interface.
Open-source subscription tracker for recurring billing
Suprascribe is an open-source platform designed to help users track and manage their subscriptions effortlessly. By automatically discovering subscriptions across various services, it ensures you never miss a billing cycle or face unexpected charges. - Automated Subscription Discovery: Scans connected accounts to identify all active subscriptions. - Recurring Billing Tracking: Monitors billing cycles and renewal dates in one centralized dashboard. - Financial Insights: Provides clear visibility into subscription spending patterns. - Open-Source & Self-Hostable: Fully customizable and deployable on your own infrastructure. - Privacy-Focused: No third-party tracking or data sharing. Suprascribe is built with modern web technologies and can be self-hosted using Docker or deployed directly on your server. The project is open-source and welcomes community contributions. Documentation is available in the repository for setup and configuration.
About PocketGuard
PocketGuard is an all-in-one money management platform that helps you take control of your personal finances. The app links your financial accounts to automatically track income, expenses, bills, debts, savings, and investments in one place.
Key Features of PocketGuard
- Expense Tracking: Connect accounts and automatically categorize transactions to see where your money goes.
- Budgeting Tools: Create flexible budgets with methods like zero-based, 50/30/20, or envelope budgeting. Set limits and track progress.
- Leftover Money: Know exactly how much you can safely spend after accounting for necessities.
- Spending Insights: Get daily updates on spending trends, pending refunds, upcoming bills, and subscriptions.
- Debt Payoff Planner: Build personalized debt repayment strategies and track progress toward becoming debt-free.
- Subscription Management: Identify and cancel forgotten subscriptions to save money.
- Saving Goals: Set and track achievable financial goals with automatic progress monitoring.
- Transaction Rules: Automate categorization and management of transactions.
- Multi-Platform Sync: Real-time sync across web, iOS, Android, and Apple Watch with secure bank-level encryption.
- Financial Calculators: Access tools for budgeting, debt payoff, student loans, and more.
Tech & Platforms
PocketGuard is available as a web application and mobile apps for iOS, Android, and Apple Watch. The platform uses secure bank-level encryption to protect user data and supports real-time synchronization across all devices.