MoneyMatterYour finances. Your server.Your rules.
Open-source personal finance tracking. Self-host it for free with Docker, or use our cloud from $2.50/mo, billed yearly. Your data is never sold or shared.
Shape the roadmap with your feedback
How it works
From bank statement to the full picture in three steps.
Step 1
Bring your money in
Connect your bank, or import your history from YNAB, Wallet, or a CSV file.
Step 2
It sorts itself
Each transaction gets a category and a payee. AI learns your patterns, and your rules handle the rest.
Step 3
See where you stand
Income against expenses, savings rate, and net worth, month by month.
Why MoneyMatter?
Price, bank coverage, and who holds your data.
Compared August 2026 against Monarch, Copilot, Simplifi, Empower, and PocketGuard.
Core Features
Banks, budgets, investments, and reports in one place.
Full Net Worth
Everything you own and owe in one picture.
- ✓Cash, investments, vehicles, venture deals, and loans on one chart
- ✓Filter by asset type and pick any period
- ✓See what changed, and by how much
Investments
Track portfolios next to your everyday accounts.
- ✓Stocks, ETFs, and crypto with automatic prices
- ✓Cost basis, realized and unrealized return per holding
- ✓Separate portfolios for each strategy
Budgeting
A plan for every category that carries on from one month to the next.
- ✓A line per category with what is assigned, spent, and left
- ✓Leftovers roll into the next period, and overspending can too
- ✓Goals for bills and savings, and starting amounts suggested from your own history
FIRE Planner
When you could stop working, based on what you actually spend and save.
- ✓Spending and savings rate taken from your own history
- ✓Lean, Regular, Fat, Barista, and Coast targets side by side
- ✓Milestones, a projection chart, and a dashboard widget
Reports & Insights
Answers to "where did the money go?" without a spreadsheet.
- ✓Cash flow: income against expenses, month by month
- ✓Money flow: from each income source to each category
- ✓Pivot tables: slice by category, payee, account, or period
Switch in One Click
Bring your history with you, whatever you used before.
- ✓Direct importers for YNAB, Wallet by BudgetBakers, and Microsoft Money
- ✓CSV with column mapping and duplicate handling, plus OFX and QFX
- ✓Paste a bank statement or an email, and AI turns it into transactions
Bank Connections
Auto-sync through LunchFlow, SimpleFIN, and Monobank, covering thousands of banks across the US, Canada, and Europe. More providers coming.
AI That Works for You
Auto-categorization that learns your patterns. Use our AI or bring your own endpoint. Any OpenAI-compatible API works, including a local model.
Trackers
One spending limit for a trip, a renovation, or any project. Pick a date range and the categories, or attach the transactions yourself.
Recurring & ScheduledNew
Plan recurring charges and income. See upcoming payments before they hit your balance.
Family Sharing
Share one account with a parent or accountant, or give a partner full visibility. Pick read-only or write access, scoped per recipient.
Multi-Currency
Any currency, automatic exchange rates. Useful when your salary and your rent are in different currencies.
Also in the box
Your finances, AI-ready
Connect Claude, ChatGPT, or any MCP-compatible AI to your financial data. Hand it a statement, a spreadsheet, or a receipt photo and it books the transactions. Ask questions the UI can't answer.
Add every transaction from this statement to my checking account.
First Federal
Account statement
Acct ····4821
Oct 1–31, 2026
| Date | Description | Amount |
|---|---|---|
| Oct 02 | Whole Foods | −$38.40 |
| Oct 03 | Shell | −$52.10 |
| Oct 05 | Spotify | −$11.99 |
| Oct 06 | Acme Corp Payroll | +$2,600.00 |
| Oct 08 | Chipotle | −$24.50 |
| Oct 09 | Trader Joe's | −$61.20 |
- −$38.40
Whole Foods
GroceriesOct 02 - −$52.10
Shell
TransportOct 03 - −$11.99
Spotify
SubscriptionsOct 05 - +$2,600.00
Acme Corp Payroll
IncomeOct 06 - −$24.50
Chipotle
DiningOct 08 - −$61.20
Trader Joe's
GroceriesOct 09
Imported 6 transactions to Checking: $2,600.00 in income and $188.19 in expenses.
Here's an export from my old app. Import all of it to checking.
| date | payee | category | amount |
|---|---|---|---|
| Oct 02 | Whole Foods | Groceries | -38.40 |
| Oct 03 | Shell | Transport | -52.10 |
| Oct 06 | Acme Corp Payroll | Income | 2600.00 |
| Oct 08 | Chipotle | Dining | -24.50 |
| Oct 09 | Trader Joe's | Groceries | -61.20 |
- −$38.40
Whole Foods
GroceriesOct 02 - −$52.10
Shell
TransportOct 03 - +$2,600.00
Acme Corp Payroll
IncomeOct 06 - −$24.50
Chipotle
DiningOct 08 - −$61.20
Trader Joe's
GroceriesOct 09
Imported all 5 rows to Checking, each matched to a category and payee.
Add this receipt to my expenses.
TRADER JOE'S
Brooklyn · Oct 08 2026 14:32
Whole milk 1gal$4.29
Sourdough bread$3.49
Free-range eggs$1.19
Bananas 2lb$0.85
Cheddar 8oz$1.79
TOTAL$11.61
VISA ····4821Approved
Thank you!
- −$11.61
Trader Joe's
GroceriesOct 08
Added one $11.61 expense at Trader Joe's, categorized automatically.
Add the transactions from this screenshot to checking.
Checking · ····4821
$3,182.41
Whole Foods
Oct 02
Shell
Oct 03
Spotify
Oct 05
Acme Corp Payroll
Oct 06
Chipotle
Oct 08
- −$38.40
Whole Foods
GroceriesOct 02 - −$52.10
Shell
TransportOct 03 - −$11.99
Spotify
SubscriptionsOct 05 - +$2,600.00
Acme Corp Payroll
IncomeOct 06 - −$24.50
Chipotle
DiningOct 08
Imported 5 transactions to Checking, categorized automatically.
Which of my subscriptions got more expensive this year?
- +$4.00
Netflix
January · $15.49 → $19.49
- +$1.00
iCloud
March · $2.99 → $3.99
- +$2.00
Spotify
June · $9.99 → $11.99
Three did: Netflix +$4.00 in January, iCloud +$1.00 in March, Spotify +$2.00 in June. Combined that adds $84/year.
Where did my money go last month?
- $612.30
Groceries
42 transactions
- $388.10
Dining
18 transactions
- $295.40
Transport
11 transactions
- $241.00
Shopping
7 transactions
- $96.40
Subscriptions
6 transactions
Groceries led at $612, over a third of the month. Dining came second and is up 40% on the month before.
Am I over budget on anything this month?
- 110%
Dining
$548 of $500
- 80%
Groceries
$640 of $800
- 60%
Transport
$180 of $300
- 48%
Entertainment
$95 of $200
Only Dining: $48 over with 9 days to go. Everything else is on track, and Groceries still has $160 left.
Use OpenClaw, Claude, or any agent framework to run financial analyses on a schedule you set.
You spent $412 last week, 12% less than usual. Groceries took the most at $148.
$249.00 at Best Buy is 4× your usual Shopping spend. Was that you?
3 of 4 budgets stayed on track in September. Trimming Dining by $50/month gets you to your savings goal by December.
Connect in a minute
Paste the remote MCP server into Claude or ChatGPT connector settings. Or use the built-in AI, your own API key, or a local model. Your data never has to leave your server.
https://mcp.moneymatter.app/mcpTwo ways to use MoneyMatter
Run it on your own server with Docker, or sign up for our cloud in a minute. Your data is never sold.
Self-Hosted
Your server, your data
- We never see your data
- Deploy with Docker Compose
- Runs on a $5 VPS
- Built-in backup & restore
- Audit the open source code
Cloud Hosted
Quick start, still private
- No setup required
- Data never sold or shared
- Export all your data anytime
- Move to self-hosted anytime: export, restore, done
Simple pricing
40-day free trial of every cloud feature, no card needed. Self-hosting is free, forever.
Essential
Manual entry and everything that is local math.
- Imports: CSV, OFX, YNAB, Wallet, MS Money
- Investments, loans, vehicles, venture
- AI features with your own API key
- Backup export and restore
- MCP server for AI agents
- 2 household seats
Plus
Everything around bring-your-own bank connections.
- Everything in Essential
- Bank sync: LunchFlow, SimpleFIN, Monobank
- AI features on our key, no setup
- FIRE planner
- 5 household seats
Premium
Bank connections we run for you.
- Everything in Plus
- Bank sync we run: no API keys, no provider subscription
- 2 banks included (unlimited accounts), extra banks $2/mo
- Real-time security prices
- Higher AI usage cap
- 10 household seats
Prices in USD. Taxes are calculated at checkout. Cancel anytime.
Questions, answered
Ask anything else below, or at support@moneymatter.app.
Is my data secure?
Your browser talks to us over HTTPS. We store your bank credentials and AI keys encrypted with AES-256-GCM, so a stolen copy of the database can't reveal them. We don't sell or share your data, and Stripe handles your card, so we never see it. You won't find Google or Facebook trackers here. Sentry tells us about a crash the moment it happens and PostHog shows us where people get stuck, so we often ship a fix before you write to us. Anyone can audit the code on GitHub. Self-host, and your data stays on your server.
Which banks are supported?
Thousands of banks in 30+ countries. LunchFlow and SimpleFIN connect banks across the US, Canada and Europe. Monobank covers Ukraine. You open an account with the provider and MoneyMatter syncs from it. Bank sync comes with the Plus plan. If your bank is missing, import CSV, OFX or statement files.
What happens after the 40-day trial?
You start without a card, so we can't charge you when the trial ends. Skip the subscription and your account turns read-only: you can sign in, view and export your data, or delete the account. We don't delete anything.
What's the difference between the plans?
Essential costs $30 a year. You get manual tracking, imports, budgets, investments, reports, backups, AI features on your own API key, the MCP server and 2 household seats. Plus costs $55 a year and adds bank sync, AI features on our key and 5 seats. Self-hosting is free and includes all of it.
Self-hosted or cloud, what's the difference?
Both run the same app. Self-host for free with Docker on your own server, and we never see your data. You run the updates and plug in your own API key for crypto prices. On the cloud, we do that work for you: we host the app, ship updates and security patches, and pay for the data feeds behind stock and crypto prices, exchange rates and merchant logos.
Can I move between the cloud and my own server?
Yes, both ways. Export a backup on one and restore it on the other. Backup export works during the trial, so you can try the cloud first and move to your own server later with all your data.
Can I bring my data from another app?
Yes. MoneyMatter imports from YNAB, Wallet by BudgetBakers and Microsoft Money. For other apps, use CSV, OFX or bank statement import, with AI-assisted parsing for messy files.
What can an AI assistant see and do?
What you approve. When you connect an assistant, you pick one of three access levels: read, write, or write and delete. The assistant signs in through OAuth, and you can revoke its access in settings.
How do taxes and refunds work?
Stripe sells the subscription as merchant of record, so your card statement says "Link". Stripe adds VAT or sales tax at checkout. For a refund, email support@moneymatter.app within 14 days of your first payment. You get the full amount back, no questions asked.
Built in the open
One developer, a public roadmap, and a changelog you can check. Your feedback decides what gets built next.
Request a feature
Tell us what you need. If others agree, they upvote it, and it moves up the roadmap.
Give feedbackSee what just shipped
- v0.31.1New dashboard widgets & image importOct 16
- v0.31.0Envelope budgetingOct 15
- v0.30.9Saved transaction views, bank sync schedule and income categoriesOct 13
Read the code
Everything is open source under AGPL-3.0. Audit how your data is handled, open an issue, or send a pull request.
View on GitHubOwn your financial data
Sign up for the cloud in a minute, or pull the Docker image and run it yourself.
40-day free trial, no card needed