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Self-Hosted Privacy Personal Finance Budgeting Money Management Investment Net Worth

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Last Updated: 07-26-2026 05:45 PM (UTC)

Maybe Finance

Roughly $1M of development work, open-sourced: Maybe Finance began as a $249/year commercial personal finance product before the company released it all. It aggregates bank accounts, credit cards, loans, investments, crypto, and real estate into a single net worth dashboard with historical trend charts - replacing the spreadsheet that usually glues a whole portfolio together. Transactions are categorized and tagged with rules, with merchant tracking and search across imported or synced activity; budgets track spending by category against plan; and the investment view follows holdings, cost basis, and returns across brokerage accounts. Multi-currency support converts accounts held in different currencies into a single reporting currency, bank synchronization works through Plaid where supported, and manual CSV import covers any institution. An optional AI assistant answers questions grounded in your own financial data. Because the app was built as a paid product with professional design before being open-sourced, its interface quality exceeds most community finance tools - and self-hosting means your balances and transactions are not monetized by a free app or gated behind an annual subscription. The stack is Ruby on Rails with Hotwire on PostgreSQL, licensed AGPL-3.0 and deployed via Docker. The original repository is archived; development continues in the community fork Sure, compatible with the same self-hosted setup.

Maybe Finance

Benefits

  • Your Finances Are Not a Product
  • Free finance apps monetize your transaction data; hosted ones charge yearly subscriptions. Self-hosting keeps every account balance and transaction on your own server with no third party in the data path.
  • Commercial-Grade Polish, Open Source
  • The app was built as a paid product with professional design before being open-sourced, so the interface quality exceeds most community finance tools.
  • Whole Portfolio in One View
  • Bank accounts, brokerage holdings, crypto, property, and debts aggregate into one net worth chart, replacing the spreadsheet that usually glues these together.
  • No Annual Subscription
  • YNAB-class functionality for the flat cost of hosting, with unlimited accounts and history and no per-year license fee.

Features

  • Net Worth Dashboard
  • All assets and liabilities aggregated with historical trend charts, covering cash, investments, crypto, real estate, and loans.
  • Transaction Management
  • Categorization with rules, tags, merchant tracking, and search across imported or synced transactions.
  • Budgeting
  • Category budgets with monthly tracking that show where spending stands against plan.
  • Investment Tracking
  • Follow holdings, cost basis, and performance across brokerage accounts alongside everyday banking.
  • Bank Sync and CSV Import
  • Automatic transaction sync via Plaid where supported, with manual CSV import for any institution.
  • Multi-Currency and AI Assistant
  • Accounts in multiple currencies convert into a single reporting currency, and an optional AI assistant answers questions grounded in your own data.