Finance and accounting
Monarch 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 projects
firefly-iii/firefly-iii★24,246 GitHub starsAGPL-3.0 licenceA full-featured self-hosted personal finance manager with accounts, transactions, budgets, reports and import tools.Open on GitHub ↗actualbudget/actual★28,006 GitHub starsMIT licenceA local-first personal finance application for budgeting, transaction tracking, and net worth across devices.Open on GitHub ↗
What you give up either way
- Monarch’s claimed connectivity to 13,000+ financial institutions
- Polished cross-platform apps and UI/UX refinement
- Proprietary reconciliation and data-quality improvements
- Existing user base, reviews, and brand trust
- Professional directory and some partnered services
An open-source project doing the core job proves a replacement is possible. It does not prove it matches Monarch Money, and it does not prove anyone has run it for a month. How we decide.