No. 119of 181 ·Personal Finance Software

Guilders

Web · Self-hosted · API

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Freedom report

No signalScore 6.0

Runs widely1 of 6 device platforms
DocumentedThinly documented

Guilders is ranked #119 of 181 in personal finance software on Freedom251. It runs on API, Self-hosted, Web.

Compared on personal finance software

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

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The record

Product: Guilders is an open-source personal finance platform that tracks bank accounts, investments, crypto, and property in one dashboard.
Net worth: The site says it calculates net worth as assets minus liabilities across banks, brokerages, crypto, property, vehicles, credit cards, and loans.
Bank connections: The site says EU banks connect via EnableBanking, US banks via Teller, and brokerages via SnapTrade.
Institution coverage: The site advertises connections to 7,800+ institutions and names Revolut, HSBC, ING, Bunq, and Coinbase as examples.
Manual accounts: Users can track cash, collectibles, real estate, vehicles, and other assets without an API as manual accounts.
Budgeting: Transactions can be categorized, viewed in income and expense flow charts, searched, filtered, and exported.
AI advisor: The AI advisor uses account, transaction, and category context and can call tools to fetch live data before answering.
Developer features: Guilders advertises a REST API with OpenAPI documentation, API keys, webhooks, and an MCP server for AI agents.
Privacy: The site says users can inspect the source code or export their data and self-host it, and describes the product as privacy-first.
Hosting: The full stack can be self-hosted on the user's infrastructure, or users can use Guilders' hosted service.
Audience: The site says Guilders is built for Europe and other regions where personal finance tools are limited.
Project maturity: The repository README describes the project as very early and warns that updates may not be backward compatible and data migration may not be possible.
Mobile status: The repository README says the mobile app is not currently a focus and may be rebuilt from scratch.
Institutions: The site says its connections cover more than 7,800 institutions, including Revolut, HSBC, ING, Bunq, and Coinbase.

Where it ranks on Freedom251

Best Personal Finance Software in 2026#119 of 181

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Sources

guilders.app· checked 12 Oct 2026
github.com/alinalihassan/Guilders· checked 12 Oct 2026