Freedom251 › Personal Finance Software
Havoro
What Havoro is
Havoro is a personal finance tracker that runs on your own hardware, with web, Windows, Linux, and self-hosted options. It imports transactions from bank CSV exports, so no bank login or bank connection is required. Listed imports include ANZ, NAB, Westpac, CommBank, and American Express exports. Users can set monthly category budgets and compare actual spending with those budgets. Goals and sinking funds track savings targets and irregular expenses, including required monthly contributions. Net-worth tracking covers assets and liabilities such as cash, super, property, shares, and loans. A transfer planner groups suggested monthly transfers by destination account. Manual backup and restore are supported, and the app automatically keeps the last 30 days of backups. Financial data stays on the user’s hardware; Havoro says it runs no servers that see it and uses no analytics or telemetry. The self-hosted app lists bcrypt password hashing, JWT authentication in httpOnly cookies, and admin/member roles. A Docker image supports self-hosting. A native iPhone app is described as in development, and support is community-based through GitHub issues.
Who it suits
Havoro suits people who want local control of budgeting, bills, goals, and net worth without bank connections. It is also aimed at users comfortable importing CSV files or self-hosting with Docker.
What it does well
- Runs on web, Windows, Linux, and self-hosted setups
- Requires no bank login
- Tracks budgets, goals, and net worth
- Keeps financial data on your hardware
- Automatically retains 30 days of backups
What to know first
- Account syncing is manual
- iPhone app is still in development
- Support is community-based
- No dedicated support service
Plans
| Plan | Billed and limits | Price |
|---|---|---|
| Free | No subscription · No freemium or pro tier | Free |
As havoro.app lists them, read 12 Oct 2026. The maker's own page has the final word.
Verdict
Havoro focuses on local personal-finance management using bank exports rather than connected accounts. Its free plan and self-hosting options suit privacy-focused users who accept manual imports and community support.
Facts from Havoro's own pages
- Account sync
- manual · havoro.app, 22 Sept 2026
- Backups
- The app supports manual backup and restore, and automatically keeps the last 30 days of backups. · havoro.app, 12 Oct 2026
- Bank data
- Transactions are imported from bank exports, with no bank login or bank connection required. · havoro.app, 12 Oct 2026
- Bill tracking
- Yes · havoro.app, 22 Sept 2026
- Budgeting
- Users can set monthly category budgets and track actual spending against them. · havoro.app, 12 Oct 2026
- Budgeting tools
- Yes · havoro.app, 22 Sept 2026
- Free plan
- Yes · havoro.app, 22 Sept 2026
- Goals
- Goals and sinking funds track savings targets and irregular expenses, including required monthly contributions. · havoro.app, 12 Oct 2026
- Mobile
- A native iPhone app is described as in development; the site says it will sync directly with the desktop app over a home network. · havoro.app, 12 Oct 2026
- Net worth
- Havoro tracks assets and liabilities, including cash, super, property, shares and loans. · havoro.app, 12 Oct 2026
- Net-worth tracking
- Yes · havoro.app, 22 Sept 2026
- Product
- Havoro is a personal finance tracker that runs on your own hardware. · havoro.app, 12 Oct 2026
- Security
- The security document says the self-hosted app uses bcrypt password hashing, JWT authentication in httpOnly cookies, and admin/member roles. · github.com, 12 Oct 2026
- Self-hosting
- Havoro also provides a Docker image for users who want to self-host or build on it. · havoro.app, 12 Oct 2026
- Storage and privacy
- The privacy policy says financial data stays on the user's hardware and Havoro runs no servers that see it, analytics or telemetry. · havoro.app, 12 Oct 2026
- Support
- Support is community-based through GitHub issues, with no dedicated support service. · havoro.app, 12 Oct 2026
- Supported imports
- The site lists CSV exports from ANZ, NAB, Westpac, CommBank and American Express. · havoro.app, 12 Oct 2026
- Transfer planner
- The transfer planner groups suggested monthly transfers by destination account. · havoro.app, 12 Oct 2026
Where Havoro stands on Freedom251
- Personal Finance Software#46 of 181
- Budgeting And Expense Tracking#8 of 29