Freedom251 › Personal Finance Software
Moniqo
What Moniqo is
Moniqo is a free, open-source web and self-hosted envelope budgeting app for zero-based budgeting. Users assign income to named envelopes and move funds between them as plans change. It supports checking, savings, credit card, cash, and loan accounts, with expenses, income, and transfers entered manually. There is no automatic bank connection, bank-linking integration, or account aggregation. A currency is chosen when creating each budget. Self-hosted deployments store application data in PostgreSQL operated by the instance owner, giving those users control of deployment and data. Moniqo says it does not use application analytics, sell financial data, or share it with advertisers or data brokers. Passwords use bcrypt hashing, while refresh tokens are stored server-side as cryptographic hashes. The software is licensed under GNU GPL version 3 and offers a free plan with no subscriptions. It is intended for individuals, families, and people sharing finances.
Who it suits
Moniqo suits individuals, families, and people sharing finances who prefer envelope budgeting. Self-hosting is useful for users wanting control of deployment and stored data.
What it does well
- Free GPL v3 software
- Web and self-hosted options
- Supports multiple account types
- Envelope allocation and transfers
- Self-hosted users control deployment and data
What to know first
- Transactions require manual entry
- No bank-linking or account aggregation
- No bill tracking
- Working data export is unavailable
Plans
| Plan | Billed and limits | Price |
|---|---|---|
| Free and open source | GPL v3 · No subscriptions | Free |
As moniqo.in lists them, read 12 Oct 2026. The maker's own page has the final word.
Verdict
Moniqo focuses on manual, envelope-based budgeting with broad account support and self-hosting. It is less suitable for automatic bank synchronization, bill tracking, or exporting data.
Facts from Moniqo's own pages
- Accounts
- The app supports checking, savings, credit card, cash, and loan accounts. · moniqo.in, 12 Oct 2026
- Account sync
- manual · moniqo.in, 22 Sept 2026
- Bill tracking
- No · moniqo.in, 22 Sept 2026
- Budgeting
- Users allocate income to named envelopes and can move funds between envelopes as plans change. · moniqo.in, 12 Oct 2026
- Budgeting tools
- Yes · moniqo.in, 22 Sept 2026
- Currency
- Users choose a currency when creating a budget. · moniqo.in, 12 Oct 2026
- Data export
- The privacy policy says the data-export option is a placeholder and there is no working export endpoint yet. · moniqo.in, 12 Oct 2026
- Data storage
- Application data is stored in PostgreSQL operated by the instance owner; self-hosted users control their own deployment and data. · moniqo.in, 12 Oct 2026
- Free plan
- Yes · moniqo.in, 22 Sept 2026
- Integrations
- There is no bank-linking or account-aggregation integration; bank integrations are described as a possible future roadmap item. · moniqo.in, 12 Oct 2026
- Intended users
- The user guide describes Moniqo as personal budgeting software for individuals, families, or people sharing finances. · moniqo.in, 12 Oct 2026
- License
- Moniqo is released under the GNU General Public License version 3. · moniqo.in, 12 Oct 2026
- Net-worth tracking
- Yes · moniqo.in, 22 Sept 2026
- Platforms
- The web app is available in a browser, while macOS, Windows, Linux, Android, and iOS apps are listed as in development. · moniqo.in, 12 Oct 2026
- Privacy
- Moniqo says it does not use application analytics, sell financial data, or share it with advertisers or data brokers. · moniqo.in, 12 Oct 2026
- Product
- Moniqo is an open-source envelope budgeting app for zero-based budgeting. · moniqo.in, 12 Oct 2026
- Report export
- No · moniqo.in, 22 Sept 2026
- Security
- Passwords are hashed with bcrypt, and refresh tokens are stored server-side as cryptographic hashes. · moniqo.in, 12 Oct 2026
- Support
- Users can contact Moniqo through its contact form, email, GitHub, or GitHub Discussions. · moniqo.in, 12 Oct 2026
- Transactions
- Users record expenses, income, and transfers manually; Moniqo does not automatically connect to banks. · moniqo.in, 12 Oct 2026
Where Moniqo stands on Freedom251
- Personal Finance Software#65 of 181