Self-hosted alternatives to YNAB
$109/year to categorise your own transactions, with no way to export the method.
Below are 10 open-source projects that cover the same ground, each scored 0–100 on how actively it is actually maintained — commit volume, release cadence and recent trend. 10 of the 10 are currently rated healthy or better. Ordering reflects that score, not sponsorship.
| Project | Health | Activity (11 mo) | Stars | Licence | Last release |
|---|---|---|---|---|---|
| HyperSwitch Payment switch to make payments fast, reliable and affordable. Connect with multiple payment processors and ro | Thriving · 95 | 45k | Apache-2.0 | 24 Aug 2026 | |
| Firefly III Firefly III is a modern financial manager. It helps you to keep track of your money and make budget forecasts. | Thriving · 91 | 25k | AGPL-3.0 | 27 Sept 2026 | |
| Ghostfolio Wealth management software to keep track of stocks, ETFs and cryptocurrencies. | Thriving · 90 | 9.4k | AGPL-3.0 | 27 Sept 2026 | |
| Sure Personal finance application for everyone (fork of Maybe). | Thriving · 87 | 10k | AGPL-3.0 | 26 Sept 2026 | |
| Actual Local-first personal finance tool based on zero-sum budgeting, supporting synchronization across devices, cust | Thriving · 85 | 29k | MIT | 1 Sept 2026 | |
| Invoice Ninja Powerful tool to invoice clients online. | Thriving · 84 | 10k | Elastic-2.0 | 18 Sept 2026 | |
| ezbookkeeping A lightweight personal bookkeeping app hosted by yourself. | Thriving · 84 | 5.7k | MIT | 25 Sept 2026 | |
| BTCPay Server Bitcoin and other cryptocurrencies payment processor. | Thriving · 83 | 7.8k | MIT | 7 Sept 2026 | |
| Bigcapital Financial accounting and inventory management software for small to medium businesses. | Thriving · 83 | 3.9k | AGPL-3.0 | 23 Sept 2026 | |
| FOSSBilling Hosting and billing automation. Integrates with WHM, CWP, cPanel and HestiaCP. Full API and easily extensible. | Healthy · 81 | 1.7k | Apache-2.0 | 1 Sept 2026 |
How these were picked
Every project listed here is open source and can run entirely on hardware you control. We start from the categories that match YNAB's job — Money, Budgeting & Management — then rank by health score so that a popular-but-abandoned project never appears above a smaller one that is actively shipping. The scoring method is documented in full.
The scores are recomputed from repository data on every rebuild, so this page reflects the state of these projects as of 1 Oct 2026 — not the day it was written.
HyperSwitch
Payment switch to make payments fast, reliable and affordable. Connect with multiple payment processors and route traffic effortlessly, all with a single API integration.
Best fit: Engineering teams processing high volumes of transactions who want to avoid vendor lock-in and programmatically route payments across various processors.
Worth knowing: Operating a self-hosted payment switch introduces significant compliance requirements, such as PCI-DSS adherence, and creates a critical failure point for financial operations.
Firefly III
Firefly III is a modern financial manager. It helps you to keep track of your money and make budget forecasts. It supports credit cards, has an advanced rule engine and can import data from many banks.
Best fit: It suits individuals who want to take full control of their personal financial records on their own infrastructure rather than relying on commercial budgeting services.
Worth knowing: Self-hosting financial data carries inherent privacy and security responsibilities, and setting up complex import rules or integrating multiple bank feeds requires significant configuration effort.
Ghostfolio
Wealth management software to keep track of stocks, ETFs and cryptocurrencies.
Best fit: Privacy-conscious individuals who prefer to consolidate their asset tracking locally rather than relying on commercial third-party services.
Worth knowing: You will need to manually import or maintain your transaction data, as direct automated bank integrations may be limited depending on your region and asset types.
Sure
Personal finance application for everyone (fork of Maybe).
Best fit: It is a suitable choice if you want an open-source, self-hosted alternative for tracking personal finances and prefer containerised deployments.
Worth knowing: Being a fork in active development, it may undergo frequent changes and might lack the maturity or broad integration support of long-established commercial equivalents.
Actual
Local-first personal finance tool based on zero-sum budgeting, supporting synchronization across devices, custom rules, manual transaction importing (from QIF, OFX, and QFX files), and optional automatic synchronization with many banks.
Best fit: It suits individuals wanting local-first control over their personal budgeting data without relying on third-party cloud services.
Worth knowing: Setting up automatic bank synchronization can require external configuration and API integrations depending on your financial institutions.