No. 121of 181 ·Personal Finance Software

Moniqo

Web · Self-hosted

Freedom report

Two barsScore 6.0

Free tierA free tier is on its own pricing page
Runs widely1 of 6 device platforms
DocumentedPlans, terms and facts published

Moniqo is ranked #121 of 181 in personal finance software on Freedom251. It runs on Self-hosted, Web. There is a free plan.

Moniqo plans and pricing

All plans

Free and open source Free GPL v3 · No subscriptions moniqo.in · 12 Oct 2026

Compared on personal finance software

Free plan: Yes
Budgeting tools: Yes
Bill tracking: No
Net-worth tracking: Yes
Account sync: manual
Report export: No

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The record

Product: Moniqo is an open-source envelope budgeting app for zero-based budgeting.
Budgeting: Users allocate income to named envelopes and can move funds between envelopes as plans change.
Accounts: The app supports checking, savings, credit card, cash, and loan accounts.
Transactions: Users record expenses, income, and transfers manually; Moniqo does not automatically connect to banks.
Currency: Users choose a currency when creating a budget.
Privacy: Moniqo says it does not use application analytics, sell financial data, or share it with advertisers or data brokers.
Security: Passwords are hashed with bcrypt, and refresh tokens are stored server-side as cryptographic hashes.
Data storage: Application data is stored in PostgreSQL operated by the instance owner; self-hosted users control their own deployment and data.
Integrations: There is no bank-linking or account-aggregation integration; bank integrations are described as a possible future roadmap item.
Data export: The privacy policy says the data-export option is a placeholder and there is no working export endpoint yet.
Platforms: The web app is available in a browser, while macOS, Windows, Linux, Android, and iOS apps are listed as in development.
Support: Users can contact Moniqo through its contact form, email, GitHub, or GitHub Discussions.
Intended users: The user guide describes Moniqo as personal budgeting software for individuals, families, or people sharing finances.
License: Moniqo is released under the GNU General Public License version 3.
Price from: Free

Where it ranks on Freedom251

Best Personal Finance Software in 2026#121 of 181

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Sources

moniqo.in· checked 12 Oct 2026
moniqo.in/features/· checked 12 Oct 2026
moniqo.in/user-guide/accounts-types/· checked 12 Oct 2026
moniqo.in/user-guide/transactions-add/· checked 12 Oct 2026
moniqo.in/user-guide/create-first-budget/· checked 12 Oct 2026
moniqo.in/privacy/· checked 12 Oct 2026
moniqo.in/download/· checked 12 Oct 2026
moniqo.in/contact/· checked 12 Oct 2026
moniqo.in/user-guide/welcome/· checked 12 Oct 2026