Freedom251 › Personal Finance Software
Guilders
What Guilders is
Guilders is a free, open-source personal finance platform available on the web, through an API, or as a self-hosted service. It brings bank accounts, investments, cryptocurrency, property, vehicles, credit cards, loans, and other assets into one dashboard. Net worth is calculated by subtracting liabilities from assets. The service advertises connections to more than 7,800 institutions, with EnableBanking for EU banks, Teller for US banks, and SnapTrade for brokerages. Revolut, HSBC, ING, Bunq, and Coinbase are listed examples. Cash, collectibles, real estate, vehicles, and other assets can be entered manually when no API is available. Transactions can be categorized, searched, filtered, charted as income and expenses, and exported. An AI advisor uses account, transaction, and category context and can fetch live data. Developers get REST, OpenAPI, API keys, webhooks, and an MCP server. Hosted and self-hosted options are available.
Who it suits
Guilders suits people who want budgeting and net-worth tracking across many account types, especially in regions with limited personal-finance tools. It also fits users who want self-hosting or developer interfaces.
What it does well
- Free and open source
- Tracks assets and liabilities together
- Connections advertised for 7,800+ institutions
- Manual accounts support offline assets
- REST API and MCP server included
What to know first
- Project is described as very early
- Updates may break backward compatibility
- Data migration may not be possible
- Mobile app is not currently a focus
Verdict
Guilders combines broad account coverage, budgeting, net-worth calculations, and export tools in a free open-source service. Its early project status and limited mobile focus are important considerations.
Facts from Guilders's own pages
- Account sync
- both · guilders.app, 22 Sept 2026
- AI advisor
- The AI advisor uses account, transaction, and category context and can call tools to retrieve live data. · guilders.app, 13 Oct 2026
- Audience
- Guilders says it is built for Europe and other regions where personal finance tools are limited. · guilders.app, 13 Oct 2026
- Bank connections
- It connects EU banks through EnableBanking, US banks through Teller, and brokerages through SnapTrade. · guilders.app, 13 Oct 2026
- Budgeting
- Transactions can be categorized and searched, with income and expense charts and export options. · guilders.app, 13 Oct 2026
- Budgeting tools
- Yes · guilders.app, 22 Sept 2026
- Developer features
- Guilders advertises a REST API with OpenAPI documentation, API keys, webhooks, and an MCP server for AI agents. · guilders.app, 12 Oct 2026
- Developer tools
- Guilders offers a REST API, OpenAPI reference, API keys, webhooks, and an MCP server with granular permissions for AI agents. · guilders.app, 13 Oct 2026
- Hosting
- The full stack can be self-hosted on the user's own infrastructure, or used through Guilders' hosted service. · guilders.app, 13 Oct 2026
- Institution coverage
- The site advertises connections to 7,800+ institutions and names Revolut, HSBC, ING, Bunq, and Coinbase as examples. · guilders.app, 12 Oct 2026
- Institutions
- The site says its connections cover more than 7,800 institutions, including Revolut, HSBC, ING, Bunq, and Coinbase. · guilders.app, 13 Oct 2026
- Manual accounts
- Users can track cash, collectibles, real estate, vehicles, and other assets without an API by adding them manually. · guilders.app, 13 Oct 2026
- Mobile status
- The repository README says the mobile app is not currently a focus and may be rebuilt from scratch. · github.com, 12 Oct 2026
- Net worth
- It tracks assets minus liabilities across banks, brokerages, crypto, property, vehicles, credit cards, and loans. · guilders.app, 13 Oct 2026
- Net-worth tracking
- Yes · guilders.app, 22 Sept 2026
- Privacy
- The site describes Guilders as privacy-first and says users can inspect its source code, export their data, and self-host. · guilders.app, 13 Oct 2026
- Product
- Guilders is an open-source personal finance platform that brings bank accounts, investments, crypto, and property into one dashboard. · guilders.app, 13 Oct 2026
- 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. · github.com, 12 Oct 2026
- Report export
- Yes · guilders.app, 22 Sept 2026
Where Guilders stands on Freedom251
- Personal Finance Software#175 of 181