Open Finance is a free, self-hosted, open-source personal finance app for accounts, budgets, reports, bills, debts, and goals. Data is stored in a SQLite file on the user’s machine or phone, without a hosted backend or required maker account. Users can connect banks through Plaid with their own keys or enter transactions manually. Budgets support weekly, monthly, yearly, and custom periods. Reports cover category spending, cashflow, net worth, and a 12-month projection, while planning tools include bills, debts, savings goals, and investment goals. The app supports Android, iOS, Linux, macOS, web, Windows, API, and self-hosted use. Android is offered as a standalone APK, while iPhone installation uses a progressive web app. Desktop and Docker home-server deployment are documented. Optional MCP agent connections include Hermes, Claude, Cursor, and custom scripts. The project identifies an MIT license and describes encryption, device unlock, and action logs.
Who it is for
Open Finance suits people who want local control of personal-finance data and are comfortable with self-hosting or manual setup. It also fits users wanting optional, permission-controlled agent integrations.
What is good
- Free and open-source under MIT license
- Stores data locally in SQLite
- Supports Plaid or manual entry
- Includes budgets, reports, bills, and goals
- Offers read-only agent defaults and audit logs
What to know first
- Requires users’ own Plaid keys for bank connections
- iPhone use relies on a progressive web app
- Self-hosting and local setup may require technical work
- Agents cannot delete accounts or move money
Verdict
Open Finance emphasizes local storage, broad budgeting tools, and user-controlled integrations without a hosted account. Its self-hosted approach and platform-specific mobile setup are important considerations.
Open Finance plans and pricing
All plansCompared on personal finance software
- Free plan
- Yes
- Budgeting tools
- Yes
- Bill tracking
- Yes
- Net-worth tracking
- Yes
- Account sync
- both
- Mobile apps
- both
