Dev tools · alternatives · 2026
24 alternatives to Fungible for Desktop
Local-first, open-source, no account needed
Below are 24 products that do a similar job, ranked by how close each is in meaning and then by launch-day votes.
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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…
May 2026 · github.com · its alternatives →
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Ray▲293I'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 →
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Thank you for your comments, just some context: - The app is a simple desktop application that works on macOS, Windows, and Ubuntu. - I developed this app for my own needs. Getting tired of SaaS app subscriptions and privacy concerns. - For now, the activities are logged manually or imported from a CSV file. No integration with Plaid or other platforms. - No monetization is planned for now (only a "buy me a coffee" if you use and appreciate the app).
2024 · wealthfolio.app · its alternatives →
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🍃 Automate your personal finances – for free, with no ads, and no data collection. - kevinschaich/mintable
2019 · github.com · its alternatives →
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Fundable▲100Integrate startup, investor and people data in your product
Jan 2026 · tryfundable.ai · its alternatives →
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Manage and track your personal & business finances easily
2024 · steffynotion.gumroad.com · its alternatives →
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TopHat Finance - an in-browser personal finances app
2022 · athenodoros.github.io · its alternatives →
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We built a local-first, private, multi-currency, double-entry based personal finance app. It will help you track, visualize, and plan your financial journey. Use the `Try demo` button, to try it without an account. Small screens (mobiles) are not supported yet. By local-first we mean, your data is on your system (we use sqlite over opfs, in browser). For synching across devices, the data is encrypted with your key before it leaves your device. You can backup the data locally (if you are using chrome) and/or to your dropbox. It's designed so that we (the people building it) can't access…
Nov 2025 · finbodhi.com · its alternatives →
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2020 · github.com · its alternatives →
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Monifi▲69Excel alternative for personal finance management
Dec 2025 · monifi.app · its alternatives →
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Fungies.io▲86Tax-compliant payment infrastructure for everything digital.
2024 · fungies.io · its alternatives →
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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 →
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uFincs is the easiest, privacy-friendly way of taking control of your finances. Control your money. Keep your data.
2021 · ufincs.com · its alternatives →
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A Offline, self‑custodial personal finance for Mac & Windows
Apr 2026 · covely.ourcrmonline.com · its alternatives →
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The programmable open source core ledger for fintech - formancehq/ledger
2021 · github.com · its alternatives →
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Hi HN, I built Whisper Money because I was frustrated that every personal finance app wanted full access to my bank credentials, fed my transactions into AI systems, or sold my spending data to third parties. Whisper Money takes a different approach: - *No bank credential sharing* - Import your transactions via CSV/XLS exports from your bank. No Plaid, no OAuth to your bank, no third-party integrations that can get breached. - *No AI snooping* - Your transactions are never fed into AI systems you don't control. - *No third-party data sharing* - Your financial data is never shared with…
Nov 2025 · whisper.money · its alternatives →
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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 →