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Indie Personal Finance tools

24 personal finance products built by independent developers and small teams.

Looking to replace something? Mint · Quicken · YNAB · Personal Capital · Splitwise

Actual Budget

Open-source, local-first personal budgeting app

Actual Budget is a free envelope-budgeting app you can run locally or self-host, with bank syncing options and multi-device sync.

Free · Web, Self-hosted, Windows, Mac, Linux · Website ↗

Beancount

Double-entry accounting from text files

Beancount is an open-source plain-text accounting language and toolset, often used with the Fava web interface.

Free · Mac, Windows, Linux · Website ↗

Buckets

Private envelope budgeting desktop app

Buckets is a desktop envelope budgeting app that keeps your budget file on your own computer.

Paid · Mac, Windows, Linux · Website ↗

Copilot Money

Budgeting and spending tracker for Apple devices

Copilot Money is a personal finance app for iPhone, iPad and Mac that categorizes spending and tracks budgets and investments.

Paid · iOS, Mac, Web · Website ↗

Firefly III

Self-hosted personal finance manager

Firefly III is a free, open-source app for tracking expenses, budgets and accounts on your own server.

Free · Web, Self-hosted · Website ↗

Ghostfolio

Open-source wealth and portfolio tracker

Ghostfolio is an open-source dashboard for tracking stocks, ETFs and crypto holdings, available hosted or self-hosted.

Free plan · Web, Self-hosted · Website ↗

GnuCash

Free double-entry accounting for personal and small business use

GnuCash is free, open-source double-entry accounting software for personal finances and small businesses.

Free · Mac, Windows, Linux · Website ↗

Goodbudget

Envelope budgeting app you can share

Goodbudget is a virtual envelope budgeting app that syncs between devices for households and couples.

Free plan · Web, iOS, Android · Website ↗

hledger

Plain-text double-entry accounting

hledger is free, open-source plain-text accounting software for tracking money, time and other commodities.

Free · Mac, Windows, Linux, Web · Website ↗

Kubera

Net worth tracker for all your assets

Kubera is a balance sheet app that tracks bank accounts, investments, crypto, real estate and other assets.

Paid · Web · Website ↗

Lunch Money

Personal finance and budgeting app for modern spenders

Lunch Money is a budgeting and expense tracking web app with multi-currency support, bank syncing, rules and a developer API.

Paid · Web, iOS, API · Website ↗

Monarch Money

Budgeting, net worth and investment tracking

Monarch Money tracks spending, budgets, net worth and investments across linked accounts, with sharing for couples.

Paid · Web, iOS, Android · Website ↗

MoneyMoney

Online banking and finance app for Mac

MoneyMoney connects to bank accounts, credit cards and PayPal on macOS and categorizes transactions for budgeting and analysis.

Paid · Mac · Website ↗

Portfolio Performance

Free open-source desktop investment tracker

Portfolio Performance is an open-source desktop app for tracking investment portfolios and calculating returns.

Free · Mac, Windows, Linux · Website ↗

ProjectionLab

Financial planning and retirement projections

ProjectionLab models long-term financial plans, retirement scenarios and FIRE goals with simulations.

Free plan · Web · Website ↗

Settle Up

Group expense sharing for trips and households

Settle Up tracks who paid what in a group and calculates the simplest way to settle debts.

Free plan · Web, iOS, Android · Website ↗

Sharesight

Investment portfolio tracker with performance and tax reports

Sharesight tracks stock and ETF portfolios, dividends and performance and produces tax reports.

Free plan · Web, iOS, Android · Website ↗

Snowball Analytics

Portfolio and dividend tracking

Snowball Analytics tracks investment portfolios with dividend forecasts, performance and diversification analysis.

Free plan · Web, iOS, Android · Website ↗

Spliit

Free open-source app to split expenses

Spliit is a free, open-source web app for sharing group expenses without accounts or ads.

Free · Web, Self-hosted · Website ↗

Splitwise

Split bills and shared expenses with friends

Splitwise tracks shared expenses and balances between roommates, friends and travel groups.

Free plan · Web, iOS, Android · Website ↗

Tiller

Automated budgeting spreadsheets

Tiller feeds bank transactions into Google Sheets or Excel so people can budget with spreadsheet templates.

Paid · Web · Website ↗

Tricount

Split group expenses easily

Tricount is an app for splitting group expenses on trips, in shared flats and among friends.

Free · Web, iOS, Android · Website ↗

Wallet by BudgetBakers

Expense tracking and budgeting app

Wallet by BudgetBakers tracks spending, budgets and accounts with bank sync and shared accounts.

Free plan · Web, iOS, Android · Website ↗

YNAB

Zero-based budgeting app

YNAB (You Need A Budget) is a budgeting app built around giving every dollar a job, with bank syncing and goal tracking.

Paid · Web, iOS, Android · Website ↗

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