Freedom251 › Personal Finance Software
Trout
by Trout
What Trout is
Trout is an envelope-budgeting ledger for managing money and data through web, API, or self-hosted use. Its budgeting model includes categories, groups, rolling balances, and five goal types, with account, schedule, net-worth, report-export, crypto, and multi-currency features. The free plan costs nothing, requires no card, and includes envelope budgeting, accounts, goals, schedules, rules, crypto tracking, and multi-currency budgeting. Hosted Monthly costs €7 a month, while Hosted Annual costs €59 a year; hosted plans add supported bank sync, AI categorisation and chat, and API access when it launches. Bank connections are read-only, and history varies by bank. Investment positions require manual entry, with brokerage syncing and several investment records unavailable. Trout supports 147 currencies and daily exchange-rate refreshes. Self-hosting uses AGPL-3.0 software and requires Linux. Its beta terms provide no uptime guarantee.
Who it suits
Trout suits people who want envelope budgeting and control over their financial data. It also fits users seeking hosted bank connections or teams able to run AGPL software on Linux.
What it does well
- Free plan includes core envelope budgeting
- Supports 147 currencies
- Read-only bank connections
- AI can answer budget questions
- Self-hosting option under AGPL-3.0
What to know first
- Investment positions require manual entry
- Brokerage syncing is unavailable
- Bank history varies by provider
- Beta service has no uptime guarantee
Plans
| Plan | Billed and limits | Price |
|---|---|---|
| Free | No card required · Envelope budgeting · Accounts, goals, and schedules · Rules, crypto tracking, and multi-currency budgeting | Free |
| Self-hosted | €0 · software licence · AGPL-3.0 · Free software · requires your own infrastructure and service keys | Free |
| Manual budgeting | Free · Envelope budgeting · accounts, goals, and schedules · rules, crypto tracking, and multi-currency budgeting | Free |
| Hosted annual | €59/ year · Bank sync through supported providers · AI categorisation and chat · API access when it launches | €59 a year |
| Hosted monthly | €7/ month · Bank sync through supported providers · AI categorisation and chat · API access when it launches | €7 a month |
As trout.money lists them, read 22 Sept 2026. The maker's own page has the final word.
Verdict
Trout offers a broad budgeting ledger with free manual tools, paid hosted features, and self-hosting. Check the investment limitations, provider-dependent bank history, and beta availability before choosing it.
Facts from Trout's own pages
- Account sync
- both · trout.money, 22 Sept 2026
- AI
- The AI assistant can answer questions about budget data and move money between categories using text requests. · trout.money, 12 Oct 2026
- Automation
- Rules can match payee, amount, or memo, using OR within a condition group and AND across groups. · trout.money, 12 Oct 2026
- Availability
- The terms say the beta service targets best-effort availability and makes no uptime guarantees. · trout.money, 12 Oct 2026
- Bank access limits
- Bank sync is read-only, does not initiate payments, and available history varies by bank. · trout.money, 12 Oct 2026
- Bank sync
- Supported European banks connect through Enable Banking, while supported US and Canadian banks connect through SimpleFIN. · trout.money, 12 Oct 2026
- Budgeting
- Envelope budgeting includes categories, groups, rolling balances, and five goal types. · trout.money, 12 Oct 2026
- Budgeting tools
- Yes · trout.money, 22 Sept 2026
- Crypto
- Crypto tracking uses CoinGecko prices with a five-minute refresh target and retains the latest cached quote if refresh fails. · trout.money, 12 Oct 2026
- Currencies
- Trout supports 147 currencies and uses the latest available exchange rate, refreshed daily. · trout.money, 12 Oct 2026
- Founded
- 2025 · trout.money, 28 Sept 2026
- Free plan
- Yes · trout.money, 22 Sept 2026
- Investments
- Investment positions are entered manually; brokerage syncing, trade ledger, automatic transfer tracking, and tax-lot accounting are unavailable. · trout.money, 12 Oct 2026
- Net-worth tracking
- Yes · trout.money, 22 Sept 2026
- Privacy
- The hosted service says it does not sell data, show advertising, or use financial data to train machine-learning models. · trout.money, 12 Oct 2026
- Project age
- The home page says Trout was established in 2025. · trout.money, 12 Oct 2026
- Purpose
- Trout is an envelope-budgeting ledger for people who want to own their money and data. · trout.money, 12 Oct 2026
- Report export
- Yes · trout.money, 22 Sept 2026
- Security
- The privacy policy says passwords are hashed with scrypt, transport uses TLS, and provider secrets are encrypted at rest. · trout.money, 12 Oct 2026
- Self-hosting
- Self-hosting uses AGPL-3.0 software and the maker's Docker guide requires a Linux host. · trout.money, 12 Oct 2026
- Support
- The maker provides a GitHub bug-report link and lists an email address for privacy and data requests. · trout.money, 12 Oct 2026
Where Trout stands on Freedom251
- Personal Finance Software#38 of 181
- Budgeting And Expense Tracking#22 of 29