Dev tools · alternatives · 2026

24 alternatives to Fungible – A local personal finance app in the terminal

Fungible is a terminal-based personal finance app that fills the Mint-shaped void in my life. It runs using your own plaid credentials (optional) and has its own integrated chatbot (also optional and BYO key). You connect banks via Plaid or import CSVs. Transactions get auto-categorized by rules you define. On top of normal categories there's a flexibility layer (fixed / flexible / discretionary) so you can see at a glance what's actually controllable spending. There are also tags (also separate from categories) for isolating things like trips or hobbies. The financial health…

Fungible is a terminal-based personal finance app designed for users seeking a Mint alternative. It connects to banks through Plaid or accepts CSV imports, then auto-categorizes transactions based on user-defined… Below are 24 products that do a similar job, ranked by how close each is in meaning and then by launch-day votes.

1. 1
   Fungible for Desktop▲5

   Local-first, open-source, no account needed

   Jun 2026 · its alternatives →

2. 2
   Ray▲293

   I've been using this daily for 4 months and figured others might find it useful. This is my first open source project so would love any feedback. Ray connects to your bank via Plaid, stores everything in an encrypted local SQLite database, and lets you ask questions about your finances in natural language. No cloud, no account, your data is stored on your machine. Before anything reaches the LLM, all PII is stripped — your name, companies, transaction details are redacted and replaced with tokens, then rehydrated locally in the response. The AI never sees who you are.

   Apr 2026 · rayfinance.app · its alternatives →

3. 3
   Cashews: Ultimate Personal Finance App▲364

   Say goodbye to financial anxiety

   2023 · cashews.finance · its alternatives →

4. 4
   Mintable – Roll-your-own Mint clone for managing personal finances▲87

   🍃 Automate your personal finances – for free, with no ads, and no data collection. - kevinschaich/mintable

   2019 · github.com · its alternatives →

5. 5
   Trible▲328

   AI-powered, no-code app & web builder

   2023 · its alternatives →

6. 6
   Financial Hub: Advanced Finance Tracker▲275

   Manage and track your personal & business finances easily

   2024 · steffynotion.gumroad.com · its alternatives →

7. 7
   Fungies.io▲86

   Tax-compliant payment infrastructure for everything digital.

   2024 · fungies.io · its alternatives →

8. 8
   Fundable▲100

   Integrate startup, investor and people data in your product

   Jan 2026 · tryfundable.ai · its alternatives →

9. 9
   Mosaic▲124

   Mint — if it was made by Apple.

   2021 · its alternatives →

10. 10
    FinKitty▲107

    Your finance pet that cheers every smart money move

    2025 · finkitty.com · its alternatives →

11. 11
    Vaultr▲82

    Personal finance app built for young professionals

    Apr 2026 · vaultr-app.org · its alternatives →

12. 12
    Monse▲104

    Privacy-friendly personal finance application

    2023 · its alternatives →

13. 13
    Finly▲68

    Personalized credit card finder

    2023 · finlywealth.com · its alternatives →

14. 14BI
    Budgetable (It's better than Mint)▲16

    There is so much innovation that can and needs to be done in the online banking space, Mint hasn't innovated in years, so I decided to. Some of my experiments... http://budgetable.com

    2012 · budgetable.com · its alternatives →

15. 15
    8udget▲97

    Budget, invest & track finances - works offline

    Jan 2026 · 8udget.my · its alternatives →

16. 16
    ledgerly▲16

    a net-worth-centered expense tracker app

    Nov 2025 · github.com · its alternatives →

17. 17
    Cashly▲87

    Budget planner & finance tracker for iOS

    2020 · apps.apple.com · its alternatives →

18. 18
    Moldable▲100

    Personal software. Built for change.

    Jan 2026 · moldable.sh · its alternatives →

19. 19
    Penny, an easy way to track your spending▲89

    Meet Penny, your personal finance coach. Spend smarter, save more, live happier.

    2016 · pennyapp.io · its alternatives →

20. 20
    Non Fungible Program▲73

    The first collaborative NFT program

    2022 · its alternatives →

21. 21
    Parcely Finance▲8

    Turn spend into a story - "Spotify Wrapped" for your money.

    2024 · its alternatives →

22. 22
    Numary – An open-source, scriptable financial legder▲19

    The programmable open source core ledger for fintech - formancehq/ledger

    2021 · github.com · its alternatives →

23. 23
    Fungify▲2

    NFT peer-to-contract marketplace and lending protocol.

    2022 · fungify.it · its alternatives →

24. 24
    Finty: Your Spending, Smarter.▲11

    See your money clearly. All in one app.

    Nov 2025 · finty.tech · its alternatives →

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 →