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MoneyMatter icon

MoneyMatter

A free, open-source, privacy-first personal finance and budget tracking app that lets you connect bank accounts, manage budgets, track investments, and even query your finances through AI assistants.

Main dashboard – balance trend, latest transactions, expense structure, subscriptions, and category overview at a glance.

Cost / License

  • Free
  • Open Source

Application type

Platforms

  • Online
  • Software as a Service (SaaS)
  • Self-Hosted
  • Docker
Deep analytics – compare monthly spending across categories, track cumulative progress, and spot trends across years.
Rich transaction entry – log expenses, income, or transfers with categories, tags, splits across multiple categories, refund linking, and payment-type tracking.
+3
Connect your bank – built-in integrations with Monobank, Enable Banking (6000+ European banks via PSD2), LunchFlow, and Walutomat for automatic transaction sync.
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Features

Properties

  1.  Privacy focused

Features

  1.  Ad-free
  2.  No Tracking
  3.  Currency Conversion
  4.  Cloud Sync
  5.  Goal Tracking
  6.  Dark Mode
  7.  Support for multiple currencies
  8.  Recurring Billing
  9.  Import CSV Data
  10.  Cash Flow Analysis
  11.  Bank integration
  12.  OpenAI Integration
  13.  Model Context Protocol (MCP) Support

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AlternativeTo Categories

Business & Commerce, Office & Productivity, AI Tools & Services

GitHub repository

  •  132 Stars
  •  42 Forks
  •  7 Open Issues
  •   Updated  
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What is MoneyMatter?

MoneyMatter is a free and open-source personal finance app built for people who want full control over their financial data. Instead of trading your transaction history for "free" software, MoneyMatter lets you either use the hosted cloud version or self-host the entire stack on your own server under the AGPL-3.0 license – your data is never sold, shared, or harvested.

The app covers the full personal-finance workflow:

  • Bank account synchronization – connect supported banks (Monobank today, more on the roadmap) to auto-sync transactions, or import via CSV and bank statements.
  • AI-powered categorization – categorize a transaction once and let the system learn your patterns, so future imports are sorted automatically.
  • Custom categories & tags – build your own hierarchy instead of being forced into a vendor's preset structure.
  • Budgets – set spending goals per category or group, track progress with visual feedback, and stay on target.
  • Investment portfolio tracking – monitor securities, holdings, gains, and allocation alongside your everyday accounts (beta).
  • Multi-currency support – hold accounts in any currency with automatic exchange rates; ideal for travelers, expats, and freelancers paid internationally.
  • Recurring transactions & subscriptions – detect subscriptions automatically, manage upcoming payments, and forecast cash flow.
  • Transaction groups, splits, transfers, refunds – model real-world money movement accurately, not just flat ledgers.
  • Analytics – spending by category, cash flow, balance history, and projected balance growth on the Analytics page.
  • Household / shared accounts (soon) – share specific accounts with family or partners while keeping the rest of your finances private.
  • AI assistant integration via MCP – connect Claude, ChatGPT, or any MCP-compatible client and ask natural-language questions like "how much did I spend on groceries last quarter?" or have an AI create transactions, budgets, and reports for you. This is what makes MoneyMatter unique among budget trackers.
  • Self-hosting – full Docker + Traefik + Let's Encrypt guide for running on a single VPS, with split subdomains for app and API. Your data stays on hardware you control.
  • Data export – your data is yours; export it anytime.

Built as a modern web app (works in any browser, mobile-friendly, dark mode), MoneyMatter is a privacy-respecting alternative to Mint, YNAB, Monarch Money, Copilot, Lunch Money, and Actual Budget – with the added twist of being natively AI-ready.