Freedom251 › Personal Finance Software
Pledger.io
What Pledger.io is
Pledger.io is open-source, self-hosted personal finance software for organizing accounts, transactions, spending categories, budgets, bills, and net worth. You can enter income and expenses, import bank-statement CSV files with mapping options, and retain transaction histories. Monthly budgets compare planned amounts with actual spending. Checking, savings, and liability accounts feed a net-worth view, while scheduled bills and categorization rules support recurring organization. Reports can be exported, but account synchronization is manual. The web application provides a REST API for its interface and integrations, using bearer JWT authentication unless an operation is public. Deployment options include Docker, Docker Compose, Kubernetes, and an experimental standalone Windows app. Production installations generally use MySQL or MariaDB, while H2 is described for local or single-user use. An Android APK connects to your server and requires Android 8.0 or newer plus HTTPS. The app accepts username-and-password sign-in, not two-factor or OpenID Connect accounts. Self-hosting keeps financial data on infrastructure you control, and multiple users can have separate accounts and transactions.
Who it suits
It suits people who want open-source, self-hosted money management with budgeting, account history, and net-worth tracking. It also fits households or groups needing separate user accounts and users comfortable running supported deployments.
What it does well
- Open-source, self-hosted financial management
- Budgets compare expected and actual spending
- CSV import includes advanced mapping
- Scheduled bills and categorization rules
- REST API supports integrations
What to know first
- Account synchronization is manual
- Android requires Android 8.0 or newer
- Android sign-in excludes two-factor accounts
- OpenID Connect sign-in is unsupported
Verdict
Pledger.io combines detailed personal-finance tracking with self-hosted data control. Its manual synchronization and Android sign-in limits matter when choosing an everyday setup.
Facts from Pledger.io's own pages
- Accounts
- It supports checking, savings, and liability accounts in a net-worth overview. · pledger.io, 13 Oct 2026
- Account sync
- manual · pledger.io, 22 Sept 2026
- Account types
- The site describes managing checking, savings, and liability accounts in a net-worth overview. · pledger.io, 12 Oct 2026
- AI options
- The preview AI feature supports Ollama hosted locally or OpenAI; using OpenAI sends budgets, categories, tags, and the edited transaction information to OpenAI. · pledger.io, 12 Oct 2026
- Android app
- The Android app connects to a Pledger.io server and is distributed as an APK. · pledger.io, 13 Oct 2026
- Android limits
- The Android app currently accepts username and password only; sign-in for accounts requiring two-factor authentication or servers using OpenID Connect is unsupported. · pledger.io, 13 Oct 2026
- Android requirements
- The release app requires Android 8.0 or newer and an HTTPS server address. · pledger.io, 13 Oct 2026
- Android sign-in limit
- The Android app currently supports username-and-password sign-in but not accounts requiring two-factor authentication or OpenID Connect. · pledger.io, 12 Oct 2026
- API
- Pledger.io provides a REST API whose authentication uses bearer JWT unless an operation is marked public. · pledger.io, 13 Oct 2026
- Authentication
- The REST API documentation says authentication uses bearer JWT unless an operation is marked public. · pledger.io, 12 Oct 2026
- Automation
- Users can schedule bills and apply categorization rules. · pledger.io, 13 Oct 2026
- Bill tracking
- Yes · pledger.io, 22 Sept 2026
- Budgeting tools
- Yes · pledger.io, 22 Sept 2026
- Budgets
- Users can set monthly budgets and compare expected spending with actual spending. · pledger.io, 13 Oct 2026
- CSV import
- The product introduction lists bank-statement CSV importing with advanced mapping features. · pledger.io, 12 Oct 2026
- Databases
- The installation documentation names MySQL/MariaDB for most production setups and H2 for local or single-user scenarios. · pledger.io, 13 Oct 2026
- Data control
- The maker says users can run Pledger.io on their own server, keeping financial data on infrastructure they control. · pledger.io, 13 Oct 2026
- Deployment
- The application can be deployed with Docker, Docker Compose, Kubernetes, or Windows. · pledger.io, 13 Oct 2026
- Intended users
- The product introduction says Pledger.io is for anyone who wants to manage their money and describes support for multiple users with separate accounts and transactions. · pledger.io, 12 Oct 2026
- Mobile app
- An Android app is available as an APK and requires Android 8.0 or newer and an HTTPS server address for release builds. · pledger.io, 12 Oct 2026
- Mobile apps
- android · pledger.io, 22 Sept 2026
- Net-worth tracking
- Yes · pledger.io, 22 Sept 2026
- Product
- Pledger.io is self-hosted, open-source personal finance software for tracking accounts and transactions, categorizing spending, and setting budgets. · pledger.io, 12 Oct 2026
- Purpose
- Pledger.io is open-source, self-hosted personal finance software for tracking accounts and transactions, categorizing spending, and setting budgets. · pledger.io, 13 Oct 2026
Where Pledger.io stands on Freedom251
- Personal Finance Software#82 of 181
- Budgeting And Expense Tracking#17 of 29