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Tools
Personal finance analytics
10 tools compared: how each is priced, where it runs, and what to consider instead.
| Tool | Pricing model | Free tier | Open source |
|---|---|---|---|
| Actual Budget Open-source, self-hostable zero-based budgeting app with local-first data and an optional hosted sync server. | Open source + paid | Yes | Yes |
| Copilot iOS-first personal finance app with linked-account budgeting, net worth, and investment tracking and a native, ad-free design. | Subscription | No | No |
| Empower Personal Dashboard Free linked-account net worth, retirement, and investment-fee analysis tool offered as a lead-in to Empower's paid advisory service. | Free | Yes | No |
| Firefly III Free, self-hosted personal finance manager with double-entry accounting, budgets, and reporting, run entirely on infrastructure you control. | Open source + paid | Yes | Yes |
| Ghostfolio Open-source portfolio-tracking and wealth-management app, self-hostable for free or usable through an official paid cloud version. | Free tier + paid | Yes | Yes |
| Lunch Money Independent, API-friendly budgeting app for linked accounts, crypto, and multi-currency spending, built for power users and developers. | Subscription | No | No |
| Monarch Money Subscription personal finance app that links bank, credit, and investment accounts for budgeting, net worth, and goal tracking. | Subscription | No | No |
| Quicken Simplifi Linked-account budgeting and spending-plan app from Quicken, positioned as a simpler, cloud-based alternative to desktop Quicken. | Subscription | No | No |
| Tiller Spreadsheet-native budgeting tool that auto-feeds linked bank and investment data into Google Sheets or Excel templates. | Subscription | No | No |
| YNAB Zero-based budgeting app that assigns every dollar a job, with linked accounts, goal tracking, and shared household budgets. | Subscription | No | No |