AI · alternatives · 2026

24 alternatives to FinPlan.ME

Private and local. No AI or cloud. Just you and your money.

Below are 24 products that do a similar job, ranked by how close each is in meaning and then by launch-day votes. Prices are shown for the 1 we have checked on their own sites, 1 of them free or with a free tier.

1
Finansi App▲80
Take care of your personal finances
2021 · its alternatives →
2
Fina▲257
Fina lets you build your own tracking system with live financial accounts all without using a spreadsheet. You can build and share custom templates the same way you can in notion.
2023 · fina.money · its alternatives →
3
Actual Budgetfree▲278
Robust and simple budgeting that works
2019 · actualbudget.org · its alternatives →
4
Fin - Budget Tracker▲69
Where is your money going? 💸
2021 · getfin.app · its alternatives →
5
Finansense▲17
Track your money. Smarter, easier
2025 · finansense.id · its alternatives →
6
Stated▲78
Privacy-first AI finance tracker
Apr 2026 · statedmoney.com · its alternatives →
7
I built uFincs – a privacy-first, encrypted personal finance app▲58
uFincs is the easiest, privacy-friendly way of taking control of your finances. Control your money. Keep your data.
2021 · ufincs.com · its alternatives →
8
MyFinMate - Personal Finance App▲10
Smart money management with complete privacy of your data
2025 · myfinmateapp.com · its alternatives →
9
MoneyDesk▲18
Personal AI finance app | budget, Loan & expense manager
Nov 2025 · moneydesk.co · its alternatives →
10
Finanzy - Personal Expense App▲5
Track your expenses, manage income and set financial budgets
2025 · play.google.com · its alternatives →
11
FinArt▲3
Reads notifications, tracks expenses, never sells your data.
Apr 2026 · apps.apple.com · its alternatives →
12
Treasury AI▲20
Hi HN! I'm excited to share that Treasury (https://treasury.sh) is now available on the iOS App Store. Treasury is a personal finance app I've been building, and we just opened up our public beta. We'd love your feedback. Currently, Treasury has a set of core building blocks that let you create financial setups as simple or as complex as you want. You can track your net worth, analyze spending, spot recurring transactions, and build budgets that actually match how you think about money. Download it from the App Store and let me know what you think.
Jun 2026 · treasury.sh · its alternatives →
13
Finty: Your Spending, Smarter.▲11
See your money clearly. All in one app.
Nov 2025 · finty.tech · its alternatives →
14
MySimpleFinance▲11
A simple finance app for tracking your income and expenses
2025 · its alternatives →
15
Financegarden - A Personal Budgetplanner▲12
A beautiful, intuitive finance tracker that grows with you
2024 · financegarden.netlify.app · its alternatives →
16
Finious▲2
Know your numbers. Improve what you can.
May 2026 · finious.ai · its alternatives →
17
Thrust — AI Budgeting Without the Cloud▲1
Your finances. Your device. Your rules.
May 2026 · thrust.finance · its alternatives →
18
Powerful finance & budget manager▲7
Mature solution for small business or personal finances
2022 · coinflow.money · its alternatives →
19
Hamsternomics Budgeting App▲7
See where your money goes—fast, clear, and ad-free
2025 · hamsternomics.com · its alternatives →
20
Everplan▲3
Take control of your money, effortlessly.
2025 · bitmavrick-everplan.github.io · its alternatives →
21
BudgetZen▲3
The world's most private AI-powered budgeting app
Jun 2026 · play.google.com · its alternatives →
22
BudgetZen▲2
The world's most private AI-powered budgeting app
Jun 2026 · play.google.com · its alternatives →
23
FINOVA▲2
Take control of your money — free, forever
May 2026 · mifinova.netlify.app · its alternatives →
24
FinRox▲9
Shared budgets in real time for couples, families & teams
Jul 2026 · finrox.net · its alternatives →

Also compare

Ranked by how close each launch is in meaning, then by votes. Prices were read from each product’s own site when checked and can change. Refine with your own description →