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💰 Free Accounting and Personal Finance Software

The last thing a finance app should do is upload your transactions and bank logins to someone else's server and then bill you monthly. This category collects free bookkeeping tools that keep data local or on your own server, covering simple ledgers, envelope budgeting and proper double-entry accounting, with open export formats so you are never locked in.

12 tools

Free tier

Posnic

Open-source offline POS for small shops and restaurants, running on your own computer

  • Open Source
  • No Ads
  • No Tracking
  • Offline
Free

hledger

Your ledger is a plain text file — Git-friendly and still readable in twenty years

  • Open Source
  • No Ads
  • No Tracking
  • Offline
Free

KMyMoney

Double-entry underneath, personal-finance software on the surface

  • Open Source
  • No Ads
  • No Tracking
  • Offline
Free

Wallos

Every auto-renewal on one list, with a reminder before each charge

  • Open Source
  • No Ads
  • No Tracking
  • Self-hostable
Free

Actual Budget

Envelope budgeting — give every dollar a job before you spend it

  • Open Source
  • No Ads
  • No Tracking
  • Offline
Free

Beancount

Your ledger is a text file — and it belongs in Git

  • Open Source
  • No Ads
  • No Tracking
  • Offline
Free

Firefly III

A personal finance system running on your own server

  • Open Source
  • No Ads
  • No Tracking
  • Self-hostable
Free tier

Ghostfolio

A self-hosted investment dashboard, readable from anywhere

  • Open Source
  • No Ads
  • No Tracking
  • Cross-platform
Free

GnuCash

Real double-entry accounting — it tells you when the books do not balance

  • Open Source
  • No Ads
  • No Tracking
  • Offline
Free

HomeBank

Household bookkeeping with no accounting to learn first

  • Open Source
  • No Ads
  • No Tracking
  • Offline
Free

Money Manager EX

Accounts, budgets and charts — usable the moment it opens

  • Open Source
  • No Ads
  • No Tracking
  • Offline
Free

Portfolio Performance

Work out what your investments actually returned, with nothing uploaded

  • Open Source
  • No Ads
  • No Tracking
  • Offline