Actual Budget
Free, and qualifiesLocal-first envelope budgeting you can self-host, with optional bank sync
Export, self-host, a named custodian. 57 of 89 apps qualify.
Owning your data starts with getting it out. The 57 apps here record transaction export as Yes. Whether you can also run the thing yourself, and who holds the ledger in the meantime, are the Where your data lives rows: self-hosting is recorded for one app, and custody is named for seven. Everything else is Unknown, which is the honest answer and the reason to ask.
Local-first envelope budgeting you can self-host, with optional bank sync
A shared household ledger for couples and roommates, with no bank connection
An account-aggregating dashboard for net worth, budgeting, retirement and portfolio planning
Account aggregation for Fidelity customers: outside accounts, net worth and cash flow in one view
Free Canadian planner for take-home pay, TFSA, RRSP and retirement. No account; your financial inputs stay in your browser.
FreeBudget is a free, simple budgeting app that tracks your spending, builds your budget, and monitors your net worth.
The aggregator's own consumer app: accounts, spending and budgets in one place
Private offline net worth tracker for iPhone. No bank login, no account, no ads.
WalletLens is a free net worth and portfolio tracker that takes anything you own. Crypto, stocks and ETFs, gold and silver, cash, bonds, your house, the watch i
Net-worth tracking that logs the important account changes, not every expense
Offline-first expense tracker and budget planner with manual accounts, net worth and optional encrypted cloud sync
Quicken and Simplifi import with zero-based budgeting, bank sync via three aggregators, and shared household access.
Personal accounting across spending, bills, debt, investments, net worth and credit score
Zero-based budgeting with real reconciliation, flexible planning, and bank sync.
Envelope budgeting for iPhone, iPad and Mac with fast manual entry, device sync and budget sharing
Budget from your bank statements: upload a PDF, CSV or Excel file, and AI sorts every transaction. No bank login, any country, any currency.
Private zero-based budgeting with no bank sync — plan by paycheck, review scanned receipts, and track prices you actually pay.
A finance app paired with personalized habit training, with optional bank sync
Budgeting app for the UK, US and Canada that tracks accounts, bills and subscriptions, with credit score, net worth and crypto tracking.
A complete budgeting app with forecast, multiple budgeting styles, goals, debt payoff BNPL plans, and scenarios, with a day-by-day forecast.
Net worth, spending, investments, real estate and vehicles tracked across US and Canadian banks
Quicken's cloud budgeting app: cash flow, investments and net worth in one place
Envelope budgeting with credit-card payment pools, bank sync, and one-click YNAB import
A portfolio and account aggregator bringing institutions and crypto exchanges into one dashboard
Free nonprofit budgeting app: one weekly allowance instead of categories, plus a 2-year cash-flow forecast. Transactions are entered manually.
Flexible personal finance management, see your spending, net worth and budget the way you want.
Budgeting and financial planning with all accounts on one dashboard, with no ads or data sales
A finance tracker built from blocks, with linked bank accounts, AI categorization and multiple profiles
Desktop budgeting, investing and bill tracking for Mac, with data stored locally
Desktop budgeting and portfolio tracking for Windows, with data stored locally
All in one personal financial dashboard self hosted, Windows only, lifetime license.
Budgeting around what is safe to spend after bills, goals and savings are set aside
AI budgeting that automates savings and debt-repayment transfers between connected banks
Zero-based budgeting with Plaid account sync, net worth, cash flow and custom reports
Your Money, Nobody's Business
Multi-currency wealth tracker for investments, crypto, property and debt, with net worth and performance analytics.
Budgeting, net-worth tracking and financial planning in one app, with no ads and no data sales
Watches your recurring charges through a read-only bank connection and tells you when one changes price, converts from a trial, or bills twice.
Automated tracking of spending, budgets, investments and net worth on web, iPhone, iPad and Mac
An AI financial advisor that tracks spending, investments and net worth from connected accounts
Budgeting, net worth and planning in one app, shared with a partner or advisor
Connects your banks, rollover budgeting, investment tracking, shared with a partner.
Budgeting for freelancers, with personal and business money and estimated taxes in one place
AI financial assistant that aggregates bank, investment, crypto and property accounts for net worth tracking and answers grounded in your own data
Canadian budgeting, net worth and retirement planning app with CPP/OAS projections and Flinks/Plaid bank connections
Intuit's free budgeting and net-worth app, closed in March 2024 and folded into Credit Karma
Tap-to-add expense tracker that keeps your data on your device and syncs it through your own Google Drive or Dropbox.
Multi-currency expense tracker with bank sync, flexible budgets, planned payments and shared household accounts.
A Canadian ad-free budgeting app that paid users for in-app surveys, launched in 2024
Built from the same records as the matrix. A need is a question with a real answer, not a filter preset: each of these pages is one attribute the records actually carry.