The best self-hosted budgeting app in 2026
Financial data is exactly the kind of data you might not want in a VC-funded startup's cloud. Two mature open-source apps cover most budgeting styles in 2026 — they differ in philosophy, not quality. Note honestly: automatic bank sync, the killer feature of paid apps, is limited in both and depends on your bank/country; expect file imports (CSV/OFX) as the reliable path.
Actual Budget
Envelope budgeting in the YNAB tradition, with a fast local-first interface and excellent import tools. If «give every euro a job» is your method, this is its self-hosted home.
Managed Actual Budget hosting →
Firefly III
The double-entry powerhouse: accounts, rules, recurring transactions, reports and an API. More accountant, less coach — better for tracking complex finances than enforcing a budgeting method.
Wallos
Does one thing: tracks your subscriptions and their renewal dates, and shows what they really cost you per month. A surprisingly effective money-saver next to a full budget app.
Actual Budget. Actual if you budget (YNAB-style), Firefly III if you track. Both export everything — you can switch later without losing history.
Every app above is open-source — you can run it yourself on a VPS, or let us run it for you: one click, your own subdomain, TLS, daily encrypted backups, EU data centers, operated from Switzerland. Free trial, no credit card.
Launch it in one click →Related
Switching from YNAB — the honest version · Switching from Mint — the honest version