Firefly III

The difference between Firefly III and Actual Budget is architectural: Actual is a local-first desktop app, while Firefly is a web application on a server from the start. You deploy it on one machine and log in from any device's browser, with the data on your own hardware. 24,307 stars, AGPL-3.0.

Its feature surface is wider than typical budgeting software:

• A complete account model: asset, expense, revenue and liability accounts (credit cards, loans) are cleanly separated, so transfers between your own accounts are never miscounted as income or spending.
• A rule engine: write rules such as "if the payee contains 'supermarket', categorize as groceries and add a tag", and apply them in bulk to imported history.
• Budgets and bills: budgets set category ceilings, while bills carry an expected amount and period and remind you when an expected entry has not appeared, so fixed costs stop slipping through.
• Extensive reports: income and expense trends, category shares, net worth curves, and multi-dimensional analysis by tag and account.

Its API may be the most valuable part. Every feature has an endpoint, which is why the community has built importers for bank CSVs, other finance apps and payment statements. Anyone comfortable writing a script can pipe statements straight in and skip manual entry entirely.

Costs to accept:

• Self-hosting is mandatory — there is no official hosted version. Docker plus a database (MySQL or PostgreSQL) is the recommended path and the documentation is thorough, but the step is unavoidable. Without server experience, Actual Budget or GnuCash suits better.
• There is no official mobile app. The web interface adapts to phones and is usable, but it is not a native experience; third-party community apps exist.
• Backing up the database and uploads is your responsibility.

Who it suits: people already self-hosting other services who want financial data on their own machine too, and who enjoy automating with rules and APIs.