KMyMoney
FreeDouble-entry underneath, personal-finance software on the surface
Personal finance software from KDE that records everything on double-entry principles while working much like home finance tools such as Quicken. It covers bank and card accounts, stock and fund holdings, budgets, scheduled transactions and charted reports, and imports QIF, OFX, CSV and GnuCash files. Data stays local and can be GPG-encrypted.
Why we picked it
GPL-2.0-or-later, a KDE project hosted on KDE's own GitLab (invent.kde.org), with only a mirror on GitHub. The current stable release is 5.2.2 from February 2026, and the main branch is still actively committed to.
Like GnuCash it is double-entry, but it presents itself differently. GnuCash puts the chart of accounts in front of you; KMyMoney organizes around accounts, payees and categories, so logging a purchase means choosing an account, a payee and a category while it balances both sides behind the scenes. People who do not know debits from credits get going faster, and the books still balance.
The useful parts:
- Import. QIF, OFX and CSV exports from banks all load, with configurable column mapping for CSV; there is also a dedicated importer for moving over from GnuCash.
- Investments. Stocks, bonds and funds are tracked as holdings, with online price and exchange rate updates.
- Scheduled transactions. Rent, salary and subscriptions become schedules that remind you or post automatically.
- Reports. Income and expense, net worth and investment performance come with charts and export to CSV for further work in a spreadsheet.
Data is a compressed XML file by default, or it can live in SQLite and other databases. GPG encryption is built in, so a lost ledger file is unreadable to anyone else.
To be clear about:
- Online banking is mainly for German and other European banks (FinTS/HBCI); elsewhere you export files from the bank and import them. The official Windows build also ships without aqbanking, so on Windows that feature needs the community preview build.
- Windows and macOS are second-class. It is a Linux desktop application first; the Windows and macOS packages are built by KDE's CI and do not feel native.
- There is no mobile app and no sync. It works for bookkeeping on one computer, not for jotting down a purchase on your phone.