PennyHelm

PennyHelm is an open-source personal finance tracker that brings your bills, bank accounts, debts, and cashflow together in one dashboard, with budgeting built around your paychecks rather than the calendar month. It was built as a modern, privacy-respecting answer to Mint (which Intuit discontinued), and it fits anyone weighing YNAB, Monarch Money, Actual Budget, or Firefly III.

You can run PennyHelm two ways. Self-host it for free under the AGPLv3 license on your own machine (Node.js or Docker, with a local SQLite database), which gives you complete data ownership with no accounts and no tracking. Or use PennyHelm Cloud, a hosted option starting at $6.49/month billed annually ($77.88/year) or $7.99/month billed monthly, with a 30-day free trial and no credit card required. Both include the full feature set.

Key features:

Dashboard: income, bills, net worth, and pay-period breakdowns at a glance Bill tracking: due dates, autopay status, payment sources, and multi-frequency recurring bills Cashflow analysis: an interactive Sankey diagram, waterfall charts, and 6-month projections Accounts: checking, savings, credit cards, investments, and property, with auto-linked debts Debt payoff: avalanche or snowball strategies with 12-month projections Tax management: track deductions and documents, organized by tax year Savings goals, a combined bill-and-payday calendar, and an AI financial assistant Optional bank sync via Plaid (cloud), two-factor authentication, Google sign-in, and secure sharing with a partner or CPA Companion Android app Privacy is a core design goal: self-hosting keeps everything on your own machine, and on the cloud your data is isolated per user and protected by Firebase Auth with optional two-factor authentication. PennyHelm is open source (AGPLv3); the source is on GitHub