Freedom251 › Personal Finance Software
Open Finance
What Open Finance is
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 suits
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 it does well
- 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
Plans
| Plan | Billed and limits | Price |
|---|---|---|
| Open Finance | Self-hosted open-source app · bring your own Plaid keys for bank connections · optional AI agent | Free |
As github.com lists them, read 12 Oct 2026. The maker's own page has the final word.
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.
Facts from Open Finance's own pages
- Account sync
- both · github.com, 22 Sept 2026
- Agent limits
- The agent cannot delete accounts or move money, and out-of-scope requests require the user to grant permission. · github.com, 12 Oct 2026
- Agent permissions
- Agents are read-only by default; users control access, approve writes, and can review an audit log of agent actions. · github.com, 12 Oct 2026
- AI integrations
- The app connects to MCP-capable agents including Hermes, Claude, and Cursor, as well as custom scripts. · github.com, 12 Oct 2026
- Bank connections
- Users can connect banks through Plaid using their own keys or track finances through manual entry without Plaid. · github.com, 12 Oct 2026
- Bill tracking
- Yes · github.com, 22 Sept 2026
- Budgeting and reports
- Budgets support weekly, monthly, yearly, and custom date ranges, while reports cover spending by category, cashflow, net worth, and a 12-month projection. · github.com, 12 Oct 2026
- Budgeting tools
- Yes · github.com, 22 Sept 2026
- Data storage
- Accounts, budgets, and reports are stored in a SQLite file on the user’s machine or phone, with no hosted backend or required account with the maker. · github.com, 12 Oct 2026
- Desktop and server
- The project documents desktop use on macOS and Linux and home-server deployment with Docker. · github.com, 12 Oct 2026
- Free plan
- Yes · github.com, 22 Sept 2026
- License
- The repository identifies the project as MIT licensed. · github.com, 12 Oct 2026
- Mobile apps
- both · github.com, 22 Sept 2026
- Net-worth tracking
- Yes · github.com, 22 Sept 2026
- Phone data
- The standalone Android app runs on-device with a local database, and paired phones can connect to a hub over a local network or Tailscale. · github.com, 12 Oct 2026
- Phone platforms
- Android is offered as a standalone APK, while iPhone installation uses the progressive web app added to the home screen. · github.com, 12 Oct 2026
- Planning
- Planning features include bills, debts, savings goals, and investment goals. · github.com, 12 Oct 2026
- Purpose
- Open Finance is a self-hosted, open-source personal finance app for managing accounts, budgets, reports, bills, debts, and goals. · github.com, 12 Oct 2026
- Security
- The project says it uses AES-256-GCM encryption at rest, device PIN and biometric unlock, recovery codes for PIN resets, and agent-action audit logs. · github.com, 12 Oct 2026
Where Open Finance stands on Freedom251
- Personal Finance Software#28 of 181