4 Best Open Source Rocket Money Alternatives
A curated collection of the 4 best open source and self-hosted alternatives to Rocket Money in 2026.
Looking for a free, privacy-friendly, or self-hosted replacement for Rocket Money in 2026? The top open-source alternative is Actual — Privacy-focused envelope budgeting app with local-first sync and end-to-end encryption.
Other highly rated open-source Rocket Money alternatives include Sure.am, Monetr and Suprascribe.
Privacy-focused envelope budgeting app with local-first sync and end-to-end encryption
Actual Budget is a fast, privacy-focused finance management app built around the proven Envelope Budgeting methodology. Unlike automated finance tools, Actual empowers you with control and clarity over your financial decisions. - Local-first architecture: Works offline with background sync across devices, ensuring privacy and reliability - Envelope budgeting: Realistic budgeting based on your actual income and spending, not estimates - End-to-end encryption: Optional E2E encryption keeps your financial data private even from the sync server - Multi-account tracking: View net worth and cash flow across all your financial accounts in one place - Bank sync integration: Built-in support for goCardless (EU/UK) and SimpleFIN (US/Canada) bank syncing - Transaction management: Streamlined interface for fast transaction entry, categorization, and split transactions - Reporting engine: Customizable reports including net worth, cash flow, and user-designed templates - Data portability: Import from YNAB4, nYNAB, QIF, OFX, QFX, CAMT.053, and CSV files - Undo/redo system: Robust version control for your financial data - Developer API: Full-featured local API for custom importers and integrations - Dark mode: System-aware theming options - Self-hosting: Full control over your sync server and data storage Actual is built as a local-first application with optional cloud sync. The core app runs entirely on your device while syncing changes across devices in the background. For maximum privacy, you can self-host the sync server or enable end-to-end encryption. The application is distributed as a desktop app with web-based demo available. Installation options include manual setup or one-click deployment through services like PikaPods.
An all-in-one personal finance platform. Track, optimize, grow, and manage your money through every stage of life.
An all-in-one personal finance platform. Track, optimize, grow, and manage your money through every stage of life.
Manage your money confidently with monetr, putting aside what you need and spending what you want
Manage your money confidently with monetr, putting aside what you need and spending what you want
Free subscription tracker that automatically scans your email to find recurring charges. Privacy-focused discovery with complete spending overview and management tools.
Free subscription tracker that automatically scans your email to find recurring charges. Privacy-focused discovery with complete spending overview and management tools.
About Rocket Money
Automatically track subscriptions, cancel unwanted services, and optimize your spending with AI-powered financial insights and budgeting tools.