No. 171of 181 ·Personal Finance Software

Kosh

Web · Self-hosted

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Freedom report

One barScore 5.2

Runs widely1 of 6 device platforms
DocumentedPlans, terms and facts published

Kosh is ranked #171 of 181 in personal finance software on Freedom251. It runs on Self-hosted, Web.

Compared on personal finance software

Budgeting tools: Yes
Bill tracking: Yes

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The record

Purpose: Kosh is a self-hosted personal finance app for managing accounts, transactions, budgets, bills, recurring commitments, goals, CSV imports, and reports.
Ledger features: It supports accounts, transactions, transfers, categories, tags, and CSV imports.
Planning features: It supports budgets, bills, recurring transaction drafts, savings goals, and reports.
Money calculations: Kosh uses exact integer minor-unit money math and does not invent foreign-exchange rates.
AI integration: Optional AI-assisted questions use Google Gemini and are disabled by default.
MCP access: Kosh offers optional read-only external MCP access using per-user tokens.
Data storage: Normal finance data stays in the self-hosted app's PostgreSQL database, and CSV imports are parsed and stored there.
Encryption: With a configured production encryption key, Kosh encrypts selected sensitive columns with AES-256-GCM before writing them to PostgreSQL.
Encryption limitation: The maker says this is server-side encryption rather than end-to-end encryption, and losing the separately backed-up key makes encrypted data unrecoverable.
External data sharing: When AI is enabled, Ask Kosh sends the question, relevant conversation context, and selected tool results to Google Gemini, but not the whole database.
Compliance: Kosh does not claim a compliance certification or security guarantee.
Deployment requirements: The listed requirements are Node.js 22.13 or newer, pnpm 11, and PostgreSQL 16 or compatible; Docker and Docker Compose are optional.
Who it is for: Kosh describes itself as intended for people who want to manage their own financial ledger without handing it to a hosted product.
What it does: Kosh is a self-hosted personal finance app for managing accounts, transactions, budgets, bills, recurring commitments, goals, CSV imports, and reports.

Where it ranks on Freedom251

Best Personal Finance Software in 2026#171 of 181

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Sources

github.com/kzekiue/kosh· checked 12 Oct 2026
github.com/kzekiue/kosh/blob/main/SECURITY.md· checked 13 Oct 2026
github.com/kzekiue· checked 13 Oct 2026