No. 32of 181 ·Personal Finance Software

Trout

Web · Self-hosted · API· paid plans from €4.92/mo

Freedom report

Two barsScore 7.2

Free tierA free tier is on its own pricing page
Runs widely1 of 6 device platforms
DocumentedPlans, terms and facts published

Trout is ranked #32 of 181 in personal finance software on Freedom251, made by Trout (Copenhagen, Denmark). It runs on API, Self-hosted, Web. There is a free plan. A free trial is offered. Paid plans start at €4.92/mo.

Trout plans and pricing

All plans

Free Free No card required Envelope budgeting · Accounts, goals, and schedules · Rules, crypto tracking, and multi-currency budgeting trout.money · 22 Sept 2026

Hosted Monthly €7/mo billed monthly Bank sync through supported providers · AI categorisation and chat · API access when it launches trout.money · 22 Sept 2026

Hosted Annual €59/yr Recommended · annual Bank sync through supported providers · AI categorisation and chat · API access when it launches trout.money · 22 Sept 2026

Manual budgeting Free Free Envelope budgeting · accounts, goals, and schedules · rules, crypto tracking, and multi-currency budgeting trout.money · 12 Oct 2026

Self-hosted Free €0 · software licence · AGPL-3.0 Free software · requires your own infrastructure and service keys trout.money · 12 Oct 2026

Hosted monthly €7/mo €7/ month Bank sync through supported providers · AI categorisation and chat · API access when it launches trout.money · 12 Oct 2026

Compared on personal finance software

Free plan: Yes
Budgeting tools: Yes
Net-worth tracking: Yes
Account sync: both
Report export: Yes

Best Trout alternatives

See all 20

Two bars SoFi Free tier No. 1Free8.3 Two bars PocketSmith Free tier No. 2$9.99/mo8.3 Two bars GnuCash Free tier No. 3Free8.0 Two bars EveryDollar Free tier No. 4$17.99/mo8.0 Two bars MoneyPatrol Free tier No. 5$1.67/mo8.0 Two bars Money Manager Ex Free tier No. 6Free8.0

The record

Purpose: Trout is an envelope-budgeting ledger for people who want to own their money and data.
Budgeting: Envelope budgeting includes categories, groups, rolling balances, and five goal types.
Bank sync: Supported European banks connect through Enable Banking, while supported US and Canadian banks connect through SimpleFIN.
Bank access limits: Bank sync is read-only, does not initiate payments, and available history varies by bank.
AI: The AI assistant can answer questions about budget data and move money between categories using text requests.
Investments: Investment positions are entered manually; brokerage syncing, trade ledger, automatic transfer tracking, and tax-lot accounting are unavailable.
Crypto: Crypto tracking uses CoinGecko prices with a five-minute refresh target and retains the latest cached quote if refresh fails.
Currencies: Trout supports 147 currencies and uses the latest available exchange rate, refreshed daily.
Automation: Rules can match payee, amount, or memo, using OR within a condition group and AND across groups.
Privacy: The hosted service says it does not sell data, show advertising, or use financial data to train machine-learning models.
Security: The privacy policy says passwords are hashed with scrypt, transport uses TLS, and provider secrets are encrypted at rest.
Self-hosting: Self-hosting uses AGPL-3.0 software and the maker's Docker guide requires a Linux host.
Support: The maker provides a GitHub bug-report link and lists an email address for privacy and data requests.
Availability: The terms say the beta service targets best-effort availability and makes no uptime guarantees.
Price from: €4.92/mo

Where it ranks on Freedom251

Best Personal Finance Software in 2026#32 of 181

Is Trout yours?

Claim it for free: prove the domain, then correct facts, plans and screenshots. An editor reviews every change.

Claim it free Promote Trout

Sources

trout.money· checked 12 Oct 2026
trout.money/features· checked 12 Oct 2026
trout.money/features/bank-sync· checked 12 Oct 2026
trout.money/features/investments· checked 12 Oct 2026
trout.money/features/multi-currency· checked 12 Oct 2026
trout.money/privacy· checked 12 Oct 2026
trout.money/self-hosting/docker· checked 12 Oct 2026
trout.money/terms· checked 12 Oct 2026
trout.money/pricing· checked 22 Sept 2026
trout.money/self-hosting· checked 12 Oct 2026