No. 23of 181 ·Personal Finance Software

BudgetPilot

Web · Windows · Mac · Linux · Self-hosted

Freedom report

Three barsScore 7.7

Free tierA free tier is on its own pricing page
Runs widely4 of 6 device platforms
DocumentedPlans, terms and facts published

BudgetPilot is ranked #23 of 181 in personal finance software on Freedom251. It runs on Linux, macOS, Self-hosted, Web, Windows. There is a free plan.

BudgetPilot plans and pricing

All plans

BudgetPilot Free Self-hosted open-source app · no paid plans stated github.com · 13 Oct 2026

Compared on personal finance software

Budgeting tools: Yes
Bill tracking: Yes
Net-worth tracking: Yes
Account sync: both
Report export: Yes

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The record

Purpose: BudgetPilot is a local-first, self-hosted personal budgeting app for budgets, net worth, savings goals, and cash-flow forecasting.
Transaction entry: Transactions can be entered manually or imported from CSV and Excel files, with duplicate detection.
Budgeting: Budgets are monthly and category-based, with alerts when spending approaches a limit.
Features: The app includes net-worth tracking, savings-goal pace tracking, deterministic cash-flow forecasts, categorization rules, split transactions, tags, and backup and restore.
Bank connection: Optional PSD2 bank syncing uses Enable Banking, is off by default, and requires HTTPS and explicit host allowlisting.
Local AI: Optional AI commentary uses a model hosted with Ollama; by default, it sends category aggregates rather than transaction labels or account details.
Privacy: The maker says financial data stays on the user's machine by default, with no mandatory external calls; optional AI and bank connections require opt-in configuration.
Security: The security policy describes hashed session tokens, bcrypt password hashing, optional TOTP/MFA, and encryption for banking credentials and MFA secrets.
Security review: The maker says no independent third party has audited the project; the documented penetration test and ASVS assessment were performed by the maintainer.
Languages: The app supports French and English.
Installation: The maker documents Docker, source-built Docker, and no-Docker installation paths; the published image supports Linux amd64 and arm64.
Limitations: BudgetPilot works in euros; statement lines in other currencies are refused, while other-currency amounts from bank sync are included in euro totals.
Support: The project is pre-1.0, supports only its latest published release with security fixes, and has no LTS branch or formal security-report SLA.
Maintainer: The maker describes the project as a solo-maintained open-source project and says they built it to manage their own finances and experiment with AI-assisted coding.
Price from: Free

Where it ranks on Freedom251

Best Personal Finance Software in 2026#23 of 181

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Sources

github.com/NonoHM/budgetpilot· checked 12 Oct 2026
github.com/NonoHM/budgetpilot/blob/main/docs/bank-· checked 12 Oct 2026
github.com/NonoHM/budgetpilot/blob/main/docs/ai-in· checked 12 Oct 2026
github.com/NonoHM/budgetpilot/blob/main/SECURITY.m· checked 12 Oct 2026
github.com/NonoHM/budgetpilot/blob/main/docs/expla· checked 12 Oct 2026
github.com/NonoHM/budgetpilot/blob/main/docs/getti· checked 12 Oct 2026
github.com/NonoHM/budgetpilot/blob/main/docs/using· checked 13 Oct 2026