Commerce · alternatives · 2026
24 alternatives to Lumio
See all your money. Link none of your accounts.
Below are 24 products that do a similar job, ranked by how close each is in meaning and then by launch-day votes.
- 1
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 →
- 2
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 →
- 3
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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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Completely free and no-ads expense tracker
2023 · monetal.app · its alternatives →
- 7
TopHat Finance - an in-browser personal finances app
2022 · athenodoros.github.io · its alternatives →
- 8
Lumio 2.0▲83Cut the cost of living without the spreadsheet faff
2022 · lumio-app.com · its alternatives →
- 9
2020 · github.com · its alternatives →
- 10
Monifi▲69Excel alternative for personal finance management
Dec 2025 · monifi.app · its alternatives →
- 11
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 →
- 12
uFincs is the easiest, privacy-friendly way of taking control of your finances. Control your money. Keep your data.
2021 · ufincs.com · its alternatives →
- 13
Private budget tracker. See where your money goes
Jul 2026 · fainto.app · its alternatives →
- 14
Hey HN People, I know it's 2025, and you might be wondering why there's a need for a personal finance web app. I'd like to share my story and why I created lit.Money. During COVID, I started actively managing my finances, primarily optimizing for FIRE and monitoring my progress. There are apps in India, but I didn't like their UI. I don't like to exchange messages or call with accountant for bank details or transaction queries. I also wanted a simple way to view my partner's and family's finances in one place. I considered Copilot, but it wasn't available in India. While there are 1 or 2…
2025 · lit.money · its alternatives →
- 15
Finzen▲3Over the years, I've tried pretty much every personal finance tool out there. Loved some, hated others, but in the end, I always came back to using my trusty google sheet. I needed something that combined YNAB's envelope budgeting with what a multi-asset portfolio tracker does. For me, your budget and your investments are linked. Obviously, never invest more than you can afford to lose - but how are you supposed to know how much that is for you without understanding your spending habits? So I built Finzen Finzen = budgeting + portfolio tracking + rich visual reports and stats Currently in…
Jun 2026 · finzen.org · its alternatives →
- 16
Zerosum▲3I've been a YNAB user for years but couldn't justify $109/yr for an app where I never used bank sync. So I built my own. ZeroSum is zero-based budgeting (same envelope method) with a full YNAB import wizard — bring your entire budget history over. 50+ currencies, shared budgets, analytics, keyboard shortcuts. $40/yr. Stack: React (Vite + TanStack Router) on Cloudflare Pages, Hono + tRPC on Render. Happy to talk about the technical decisions. Try it free for 35 days: https://zerosum.so
Feb 2026 · zerosum.so · its alternatives →
- 17
Hey guys, I built an app that follows the envelope budgeting philosophy like YNAB and with beautiful expense breakdown displayed in sankey, line, bar charts. It also tracks your crypto wallet (BTC & ERC20), bank connections through Plaid and brokerage accounts through SnapTrade. Create unlimited categories, cash/loan/credit accounts and start budgeting at https://buildyourbudget.com/
Nov 2025 · buildyourbudget.com · its alternatives →
- 18
Wealthly▲2Budget tracker — no subscription, no account needed
May 2026 · etsy.com · its alternatives →
- 19
Private and local. No AI or cloud. Just you and your money.
Jun 2026 · finplan.me · its alternatives →
- 20
OpBoard▲7I’m a financial analyst, and for years I managed our family budget in a massive Excel sheet. I loved the control, but it eventually became an "unpaid second job" of fixing broken CSV formats and patching formulas. The real problem: The spreadsheet was a barrier, not a bridge. It didn’t help me have better money conversations at home. Telling my wife “Dining is high” wasn't helpful; we needed to see where we were overspending (e.g., that one specific cafe vs. grocery runs) without me having to act as a "human pivot table" every Sunday night. I didn't want an app that required our bank…
Feb 2026 · opboard.io · its alternatives →
- 21
Hi everyone! I’ve been working on a small personal finance tool called Tender for the better part of a year. I got tired of doing expenses by hand - going through several accounts to figure out refunds, subscription cancellations, getting paid back via venmo, etc. I’d get to the point where I’d have to go through months of transactions at a time if I got lazy and fell behind. The workflow in Tender is centered around getting to inbox-zero. Transactions leave the inbox when they’re categorized and there’s a basic rules engine for automation. You can also do things like add notes, set…
2023 · tender.run · its alternatives →
- 22
Take control of your finances, not your bank
Jul 2026 · pennypilot-webpage.onrender.com · its alternatives →
- 23
Track spending & save more—free, ad-free, no sign-up.
2025 · manage-budget.de · its alternatives →
- 24
Track money privately. No cloud. No login. No subscription.
Apr 2026 · 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 →