Open Finance
Open Finance is a free, self-hosted, open-source personal finance app for accounts, budgets, reports, bills, debts, and goals.
What Open Finance is
Open Finance is a free, self-hosted, open-source personal finance app for accounts, budgets, reports, bills, debts, and goals. Data is stored in a SQLite file on the user’s machine or phone, without a hosted backend or required maker account. Users can connect banks through Plaid with their own keys or enter transactions manually. Budgets support weekly, monthly, yearly, and custom ranges. Reports show category spending, cashflow, net worth, and a 12-month projection, while planning tools cover bills, debts, savings goals, and investment goals. Optional MCP-capable agent connections include Hermes, Claude, Cursor, and custom scripts. Agents are read-only by default; users control permissions, approve writes, and can review an action log. The project describes AES-256-GCM encryption, device PIN and biometric unlock, and recovery codes. Android uses a standalone APK, while iPhone uses a home-screen progressive web app.
Good
- Free and open-source
- Local SQLite data storage
- Budgets support custom date ranges
- Read-only agent access by default
- Android, iPhone, desktop, and web options
Watch out
- Plaid connections require your own keys
- iPhone installation uses a progressive web app
- Self-hosting requires user setup
- Agents cannot delete accounts or move money
Who it suits
Open Finance suits people who want local, self-hosted control over personal-finance data. It also fits users comfortable supplying their own Plaid keys, manual entry, or deploying desktop and home-server versions.
Verdict
Open Finance offers broad budgeting and reporting while keeping financial records locally controlled. Its self-hosted design, optional agents, and multiple deployment paths suit technically inclined users who prefer local data management.
Plans and prices
From Open Finance's own pricing page, checked 12 Oct 2026.
| Plan | Price | What it gives you |
|---|---|---|
| Open Finance | Free | Self-hosted open-source app · bring your own Plaid keys for bank connections · optional AI agent |
The facts
Each one read from Open Finance's own pages, with the date it was checked.
What it does
- Account sync
- bothchecked 22 Sep 2026
- Agent limits
- The agent cannot delete accounts or move money, and out-of-scope requests require the user to grant permission.checked 12 Oct 2026
- Agent permissions
- Agents are read-only by default; users control access, approve writes, and can review an audit log of agent actions.checked 12 Oct 2026
- AI integrations
- The app connects to MCP-capable agents including Hermes, Claude, and Cursor, as well as custom scripts.checked 12 Oct 2026
- Bank connections
- Users can connect banks through Plaid using their own keys or track finances through manual entry without Plaid.checked 12 Oct 2026
- Bill tracking
- Yeschecked 22 Sep 2026
- Budgeting and reports
- Budgets support weekly, monthly, yearly, and custom date ranges, while reports cover spending by category, cashflow, net worth, and a 12-month projection.checked 12 Oct 2026
- Budgeting tools
- Yeschecked 22 Sep 2026
- Data storage
- Accounts, budgets, and reports are stored in a SQLite file on the user’s machine or phone, with no hosted backend or required account with the maker.checked 12 Oct 2026
- Desktop and server
- The project documents desktop use on macOS and Linux and home-server deployment with Docker.checked 12 Oct 2026
- License
- The repository identifies the project as MIT licensed.checked 12 Oct 2026
- Net-worth tracking
- Yeschecked 22 Sep 2026
- Phone data
- The standalone Android app runs on-device with a local database, and paired phones can connect to a hub over a local network or Tailscale.checked 12 Oct 2026
- Purpose
- Open Finance is a self-hosted, open-source personal finance app for managing accounts, budgets, reports, bills, debts, and goals.checked 12 Oct 2026
- Security
- The project says it uses AES-256-GCM encryption at rest, device PIN and biometric unlock, recovery codes for PIN resets, and agent-action audit logs.checked 12 Oct 2026
Money
- Free plan
- Yeschecked 22 Sep 2026
- Planning
- Planning features include bills, debts, savings goals, and investment goals.checked 12 Oct 2026
Where it runs
- Mobile apps
- bothchecked 22 Sep 2026
- Phone platforms
- Android is offered as a standalone APK, while iPhone installation uses the progressive web app added to the home screen.checked 12 Oct 2026
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