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indiBudget
by indiBudget
What indiBudget is
indiBudget is a free personal finance desktop app for budgeting, categorizing transactions, tracking subscriptions, and syncing bank data. It runs on Linux, macOS, and Windows, and its MIT-licensed open-source plan includes every feature with no premium tier. Budgets can run weekly, bi-weekly, monthly, quarterly, or yearly, with optional rollover and templates such as 50/30/20 and zero-based. Transaction tools include more than 35 built-in categories, unlimited custom categories, split transactions, and text or regex rules. The app identifies recurring charges and tracks cancelled subscriptions with estimated yearly savings. Reports cover net worth, cash flow, spending, trends, and savings rate, with PDF and CSV export. Users can import CSV, Excel, OFX, QFX, and QIF transactions, with duplicate detection. Optional bank syncing uses SimpleFIN: it handles bank credentials, while indiBudget receives transaction data through an access token. Financial information stays in an on-device SQLite database unless SimpleFIN syncing is enabled, according to the app. Optional encryption uses AES-256-GCM and Argon2id, but a forgotten encryption password cannot be recovered; the database must be deleted or restored from an unencrypted backup.
Who it suits
indiBudget suits people who want to manage personal finances on their own Linux, macOS, or Windows computer. Its local storage and optional bank sync offer different ways to handle financial data.
What it does well
- Free open-source plan includes every feature
- Supports flexible budget periods and templates
- Exports reports to PDF and CSV
- Stores financial data on-device unless sync is enabled
What to know first
- Forgotten encryption passwords cannot be recovered
- Bank syncing requires optional SimpleFIN integration
Plans
| Plan | Billed and limits | Price |
|---|---|---|
| Free open source | Every feature included · no premium tier · MIT license | Free |
As indomitusgroup.com lists them, read 12 Oct 2026. The maker's own page has the final word.
Verdict
indiBudget offers budgeting, transaction categorization, subscription tracking, and reports in a free desktop app. Before enabling database encryption, keep in mind that a forgotten password has no recovery mechanism.
Facts from indiBudget's own pages
- Account sync
- both · indomitusgroup.com, 22 Sept 2026
- Bank integration
- Optional bank syncing uses SimpleFIN; bank credentials are handled by SimpleFIN and indiBudget receives transaction data through an access token. · indomitusgroup.com, 12 Oct 2026
- Bill tracking
- Yes · indomitusgroup.com, 22 Sept 2026
- Budgeting tools
- Yes · indomitusgroup.com, 22 Sept 2026
- Budgets
- Budgets can use weekly, bi-weekly, monthly, quarterly, or yearly periods, with optional rollover and templates such as 50/30/20 and zero-based. · indomitusgroup.com, 12 Oct 2026
- Encryption
- Optional database encryption uses AES-256-GCM with Argon2id key derivation at 64 MB memory and 3 iterations. · indomitusgroup.com, 12 Oct 2026
- Encryption limitation
- There is no recovery mechanism for a forgotten encryption password; the documentation says the database must be deleted or restored from an unencrypted backup. · indomitusgroup.com, 12 Oct 2026
- Free plan
- Yes · indomitusgroup.com, 22 Sept 2026
- Headquarters
- Georgetown, Kentucky, USA · indomitusgroup.com, 28 Sept 2026
- Imports
- Transaction imports support CSV, Excel, OFX, QFX, and QIF, with duplicate detection. · indomitusgroup.com, 12 Oct 2026
- Intended users
- The maker presents indiBudget as a privacy-focused tool for people managing personal finances on their own computer. · indomitusgroup.com, 12 Oct 2026
- Local storage
- Financial data is stored in an on-device SQLite database, and the app says it does not send financial information to a server unless SimpleFIN sync is enabled. · indomitusgroup.com, 12 Oct 2026
- Net-worth tracking
- Yes · indomitusgroup.com, 22 Sept 2026
- Platforms
- The documentation describes installation on Linux, macOS, and Windows. · indomitusgroup.com, 12 Oct 2026
- Purpose
- indiBudget is a personal finance desktop app for budgeting, transaction categorization, subscription tracking, and bank syncing. · indomitusgroup.com, 12 Oct 2026
- Recurring payments
- indiBudget detects recurring charges and tracks cancelled subscriptions with estimated yearly savings. · indomitusgroup.com, 12 Oct 2026
- Report export
- Yes · indomitusgroup.com, 22 Sept 2026
- Reports
- Reports cover net worth, cash flow, spending, trends, and savings rate, with PDF and CSV export. · indomitusgroup.com, 12 Oct 2026
- Support
- The maker provides indiBudget documentation and lists support by email at [email protected] and by phone at 605-644-6505. · indomitusgroup.com, 12 Oct 2026
- Transactions
- The app includes more than 35 built-in categories, unlimited custom categories, split transactions, and text or regex categorization rules. · indomitusgroup.com, 12 Oct 2026
Where indiBudget stands on Freedom251
- Personal Finance Software#37 of 181