5 Best Open Source Rocket Money Alternatives
A curated collection of the 5 best open source and self-hosted alternatives to Rocket Money in 2026.
Looking for a free, privacy-friendly, or self-hosted replacement for Rocket Money in 2026? The top open-source alternative is Actual — Privacy-focused envelope budgeting app with local-first sync and end-to-end encryption.
Other highly rated open-source Rocket Money alternatives include Sure.am, Monetr and Suprascribe.
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.
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 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.
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.
Enterprise-ready frontend stack for AI agents
CopilotKit is the Enterprise-Ready Frontend Stack for Agents, enabling seamless integration of LLMs or AI agents into real applications. It provides real-time context, UI control, and full flexibility for building rich agentic applications that learn from every interaction. - AG-UI (Agent–User Interaction): Bi-directional connection between user-facing applications and any agentic backend. - Generative UI: Build dynamic, AI-driven user interfaces with full control. - Multi-Surface Support: Connect a single agent to multiple surfaces like React, Slack, and Teams. - Self-Hostable: Deploy and scale within your own infrastructure. - Enterprise-Grade: Trusted by the majority of the Fortune 500 and Global 50 companies. - Flexible Backend Integration: Works with existing agent stacks like Google, Microsoft, and Amazon. - Human-in-the-Loop: Enable human oversight and intervention in agent workflows. - Agent Learning: Applications learn and improve from every user interaction. CopilotKit is designed for enterprise environments and supports self-hosting for full data control and scalability. It integrates with popular agent frameworks and provides SDKs for frontend development, making it a versatile solution for building agentic applications.
About Rocket Money
Rocket Money
Managing money is hard, but Rocket Money empowers you to save more, spend less, see everything, and take back control of your financial life. Whether you're looking to cancel unwanted subscriptions, track spending, or automate savings, Rocket Money provides the tools to help you achieve your financial goals.
Key Features of Rocket Money
- Subscription Management: Instantly finds and tracks all your recurring subscriptions, helping you cancel unwanted services effortlessly.
- Spending Insights: Get a clear breakdown of your finances to understand where your money is going and how to improve.
- Automated Savings: Turn on autopilot to save money without thinking about it, avoiding overdraft fees.
- Bill Negotiation: Concierge service identifies bills that can be lowered and negotiates better rates on your behalf.
- Credit Score Tracking: Access your complete credit report and history with alerts for important changes.
- Budgeting: Create and monitor budgets by category to stay on track toward your financial goals.
- Net Worth Tracking: Get a full picture of your assets and debt in one place, tracking your financial journey over time.
- Premium Services: Additional features like subscription cancellation assistance, automated savings plans, and unlimited budgets.
Tech / Self-Hosting
Rocket Money is a proprietary SaaS application and does not offer self-hosting options. It is available as a mobile app and web platform.