BudgetPilot
BudgetPilot is a free, open-source personal budgeting app designed for local-first, self-hosted use.
What BudgetPilot is
BudgetPilot is a free, open-source personal budgeting app designed for local-first, self-hosted use. It supports monthly category budgets with alerts as spending approaches a limit, plus bill and net-worth tracking, savings-goal pace tracking, and cash-flow forecasts based on recurring income and expenses in transaction history. Transactions can be entered manually or imported from CSV and Excel files with duplicate detection; users can also map other CSV files by column name. The app includes categorization rules, split transactions, tags, backup and restore, and report export. Optional PSD2 bank syncing uses Enable Banking and is off by default. Optional AI commentary uses a model hosted with Ollama; by default, it sends category aggregates rather than transaction labels or account details. Financial data stays on the user's machine by default, with no mandatory external calls. Installation paths include Docker, source-built Docker, and no-Docker, with Linux, macOS, Windows, web, and self-hosted platforms listed. BudgetPilot works in euros and refuses statement lines in other currencies.
Good
- Free and open source with no paid plans stated.
- Manual entry and CSV or Excel imports include duplicate detection.
- Tracks budgets, net worth, goals, and cash flow.
- Optional bank sync and AI require opt-in configuration.
- Includes backup, restore, and report export.
Watch out
- Works in euros; other-currency statement lines are refused.
- No independent third-party security audit is reported.
- Pre-1.0 project has no LTS branch or formal security-report SLA.
- Only the latest published release receives security fixes.
Who it suits
It suits people seeking a self-hosted budgeting tool who want to keep financial data on their own machine by default. It is less suitable for users who need to import statements denominated in other currencies.
Verdict
BudgetPilot combines budgeting, forecasts, and tracking with a local-first default and optional external connections. Its euro-only statement handling and solo-maintained, pre-1.0 status are important constraints to weigh.
Plans and prices
From BudgetPilot's own pricing page, checked 13 Oct 2026.
| Plan | Price | What it gives you |
|---|---|---|
| BudgetPilot | Free | Self-hosted open-source app · no paid plans stated |
The facts
Each one read from BudgetPilot's own pages, with the date it was checked.
What it does
- Account sync
- bothchecked 22 Sep 2026
- Authentication
- Optional two-factor authentication uses an authenticator app and one-time recovery codes.checked 13 Oct 2026
- Bank connection
- Optional PSD2 bank syncing uses Enable Banking, is off by default, and requires HTTPS and explicit host allowlisting.checked 12 Oct 2026
- Bank integrations
- Optional PSD2 bank sync uses Enable Banking and is off by default; the maker says setup requires HTTPS and provider configuration.checked 13 Oct 2026
- Bill tracking
- Yeschecked 22 Sep 2026
- Budgeting
- Budgets can be set monthly by category and flagged when spending approaches the limit.checked 13 Oct 2026
- Budgeting tools
- Yeschecked 22 Sep 2026
- Data privacy
- The project says financial data stays on your machine by default, with no mandatory external calls.checked 13 Oct 2026
- Features
- The app includes net-worth tracking, savings-goal pace tracking, deterministic cash-flow forecasts, categorization rules, split transactions, tags, and backup and restore.checked 12 Oct 2026
- Forecasting
- Cash-flow forecasting projects upcoming balances from recurring income and expenses detected in transaction history, without machine learning.checked 13 Oct 2026
- Import support
- The app recognises Banque Populaire, Revolut, and its own CSV export; other CSV files can be mapped by column name.checked 13 Oct 2026
- Installation
- The maker documents Docker installation, running from source, and a no-Docker setup for working on the code.checked 13 Oct 2026
- Known limitation
- BudgetPilot works in euros, and statement lines in other currencies are refused.checked 13 Oct 2026
- Languages
- The app supports French and English.checked 12 Oct 2026
- Limitations
- BudgetPilot works in euros; statement lines in other currencies are refused, while other-currency amounts from bank sync are included in euro totals.checked 12 Oct 2026
- Local AI
- Optional local AI advice uses Ollama, and by default sends only anonymized aggregates to the model.checked 13 Oct 2026
- Maintainer
- The maker describes the project as a solo-maintained open-source project and says they built it to manage their own finances and experiment with AI-assisted coding.checked 12 Oct 2026
- Net-worth tracking
- Yeschecked 22 Sep 2026
- Privacy
- The maker says financial data stays on the user's machine by default, with no mandatory external calls; optional AI and bank connections require opt-in configuration.checked 12 Oct 2026
- Purpose
- BudgetPilot is a local-first personal budgeting app for tracking budgets, net worth, savings goals, and cash-flow forecasts.checked 13 Oct 2026
- Report export
- Yeschecked 22 Sep 2026
- Security
- The security policy describes hashed session tokens, bcrypt password hashing, optional TOTP/MFA, and encryption for banking credentials and MFA secrets.checked 12 Oct 2026
- Security review
- The maker states that no independent third party has audited the project and describes its security verification as maintainer-performed.checked 13 Oct 2026
- Support
- Security vulnerabilities can be reported privately through GitHub Security Advisories, and the maintainer says there is no formal response-time SLA.checked 13 Oct 2026
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