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Best open-source Personal finance

The best self-hosted personal-finance split in the c17.io catalog is Actual Budget for MIT envelope budgeting (the published YNAB stack), Firefly III for an AGPL ledger (closer to Mint's books), Ghostfolio for an AGPL portfolio, and Akaunting when you need a general ledger (Business Source License 1.1 — not OSI). Invoices you send stay on /best/invoicing-accounting.

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Ranked picks

  1. 1

    Actual Budget

    MIT local-first envelope budget — the c17 YNAB path.

    When to pick it: Envelopes you host.

    29,594 stars in the catalog

  2. 2

    Firefly III

    AGPL-3.0 personal finance ledger already on the YNAB/Mint and Expensify stacks.

    When to pick it: Accounts, bills, and a ledger — not envelopes.

    24,929 stars in the catalog

  3. 3

    Ghostfolio

    AGPL-3.0 wealth-management software for a portfolio you host.

    When to pick it: Holdings and performance, not a monthly envelope.

    9,517 stars in the catalog

  4. 4

    Akaunting

    Online accounting already named on the books stack. License is Business Source License 1.1, not OSI.

    When to pick it: A general ledger. Read the BSL limits before you call it open source.

    10,188 stars in the catalog

How they compare

ToolLicenseSelf-hostBest for
Actual BudgetMIT LicenseEasyEnvelopes you host.
Firefly IIIGNU Affero General Public License v3.0EasyAccounts, bills, and a ledger — not envelopes.
GhostfolioGNU Affero General Public License v3.0MediumHoldings and performance, not a monthly envelope.
AkauntingBusiness Source License 1.1MediumA general ledger. Read the BSL limits before you call it open source.

Related pages

FAQ

Actual Budget or Firefly III?
Actual if you live in envelopes (YNAB). Firefly III if you want accounts and bills (closer to Mint). That is the stack FAQ.
Why is Akaunting last?
Useful, and not OSI. BSL 1.1 is source-available — same caveat as /best/invoicing-accounting.
Are these free?
Actual Budget is MIT. Firefly III and Ghostfolio are AGPL-3.0. Akaunting is BSL. You pay hosting. Template users never pay c17.
How do I deploy it?
Open /stacks/actual-budget. Persist the budget file or the Firefly database. Import one bank CSV.

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