§ II — What's inside

Everything you need.

All on your own hardware. Open source, self-hostable, and free for the features that matter.

Envelope budgeting

Assign every dollar a job. Categories, groups, rolling balances, and five goal types. The zero-based method that made YNAB popular.

Ask "How much did I spend on dining out?" or "Move money from Shopping to Groceries." The AI reads your real budget data.

Connect 2,500+ European banks via GoCardless Open Banking. Transactions import automatically. Credentials never touch a third party.

Track Bitcoin, Ethereum, and thousands of tokens with real-time CoinGecko prices. 18-decimal precision, cost basis, and 7-day sparklines.

Sync investment accounts for a complete net worth picture. Daily snapshots, multi-account support, and encrypted credential storage.

Budget in euros, spend in dollars, save in pounds. 170+ currencies with automatic exchange rates and historical rate storage.

Spending breakdowns, income vs expenses, cash flow trends, and net worth over time. Interactive charts built on your data.

Multi-condition rules with AND/OR logic. Match on payee, amount, memo. "If Amazon and over $50, categorize as Shopping."

Bring your own Docker, Postgres, and API keys. Nothing phones home. Upgrade on your schedule. The whole stack is MIT-licensed.