Finance and accounting

Copilot Money alternatives

2 open-source projects that already do this job. Free to use - not free to run, which is what the numbers on the right are for.

The full assessment →

The projects

firefly-iii/firefly-iii24,246AGPL-3.0Self-hosted web personal finance manager for accounts, transactions, budgets, and net worth tracking.Open on GitHub actualbudget/actual28,006MITLocal-first personal finance app for budgeting, transaction tracking, and account balancing with offline-first design.Open on GitHub

What you give up either way

Polished native iPhone/iPad/Mac apps and platform-specific UX
Production-hardened bank-link reliability and token management
High-quality, continuously trained proprietary tagging model
Scale, uptime, and operational incident response
Design polish and marketing/brand trust

An open-source project doing the core job proves a replacement is possible. It does not prove it matches Copilot Money, and it does not prove anyone has run it for a month. How we decide.