Open Source Rocket Money Alternatives

Actual Budget is a personal finance management tool built around envelope budgeting, the method where you assign every dollar you actually have to a specific category before spending it. No projected income, no made-up numbers. You budget what's in your accounts right now, which keeps your plan grounded in reality.

It's local-first by design. Your data lives on your device, and the app works fully offline. Sync happens in the background across as many devices as you want, but a dropped connection doesn't stop you from using it. For people who've grown uncomfortable with cloud-first finance tools, that's a meaningful distinction.

Key capabilities:

• Envelope budgeting assigns real cash on hand to categories, so overspending in one area is immediately visible
• Bank sync connects to goCardless (EU/UK) and SimpleFIN (US/Canada) for automatic transaction imports
• Transaction imports support QIF, OFX, QFX, CAMT.053, and CSV files
• Split transactions and transfers are handled in the same editor, with linked entries on both sides of a transfer
• Reports include built-in net worth and cash flow views, plus a custom report engine for anything else
• End-to-end encryption is optional but available, keeping data unreadable even to the sync server
• YNAB4 and nYNAB importers let you bring over your full history if you're switching from YNAB
• API access lets developers write custom importers or build features directly against local data
• Undo/redo covers any change you make, so mistakes aren't permanent

The interface is intentionally minimal and fast. Categorizing transactions, reviewing spending, and moving money between envelopes are all optimized to take as few taps or clicks as possible. Dark mode and system-level theming are built in.

Actual is self-hosted. You run the sync server yourself, which means your financial data never touches a third-party service unless you choose bank sync. Among budgeting apps that offer this level of privacy, few match its combination of polished UI and full local control.

Take control of your finances with a single, unified view of your money. Connect bank accounts, cards, investments, and even custom assets, or add everything manually when you prefer full control. Powerful transaction tools let you create, edit, tag, and link income, expenses, and transfers so your records always stay accurate and organized.

Key features:

• Track assets, debts, and net worth across accounts and currencies in one dashboard.
• Categorize spending with custom categories, merchants, tags, and flexible filters.
• Set budgets per category and monitor balances to avoid overspending before it happens.
• Create smart rules to automatically categorize and clean up recurring transactions.
• Ask AI-powered queries about your money to surface instant, actionable insights.

Open-source and self-hostable, it offers transparent, privacy-first personal finance management built in public.

Monetr is a powerful personal finance tool designed to help you take control of your finances on a paycheck-by-paycheck basis. With monetr, you can:

• Allocate funds efficiently: Put aside exactly what you need for bills and expenses
• Spend confidently: Know precisely how much you have available for discretionary spending
• Manage money with ease: Simplify your financial planning and budgeting process
• Stay on top of bills: Always ensure you have enough set aside for upcoming expenses
• Track savings goals: Easily monitor and achieve your savings targets

monetr offers a user-friendly interface that allows you to visualize your financial situation clearly. Whether you're looking to build an emergency fund, save for a major purchase, or simply gain better control over your day-to-day spending, monetr provides the tools and insights you need.

Key features include:

• Paycheck-based budgeting
• Expense tracking and categorization
• Bill payment reminders
• Savings goal setting and tracking
• Financial forecasting

With monetr, you can take the guesswork out of personal finance and make informed decisions about your money. Start your journey to financial confidence today!

Automatically discover and manage all your subscriptions by connecting your email inbox. Suprascribe scans Gmail, Outlook, iCloud, or any IMAP provider to find recurring charges you might have forgotten about.

Key features include:

• Smart email discovery - Privacy-aware scanning that finds subscriptions without reading personal emails
• Complete spending overview - Track monthly and annual costs with forecasting and renewal alerts
• Subscription history - Full timeline of when you started, paused, or cancelled services
• Two-click unsubscribe - Quick cancellation directly from the dashboard
• Multi-currency support - Track subscriptions in different currencies

Privacy-first approach ensures your data stays yours. The tool never stores unrelated emails or personal information. Built for occasional use - check a few times per year to stay on top of your subscriptions.

Simple pricing model with no recurring fees. Core features are completely free forever, while Pro features (automatic discovery, advanced management) are available as a one-time €5 purchase. Open source codebase allows you to verify data handling and contribute to development.