Commerce · alternatives · 2026
24 alternatives to OpenBudget
Ask AI anything about your finances
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.
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Ray▲298I'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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QuickBudget▲88Quickly review your monthly expenses. Free and 100% private!
2020 · quickbudget.xyz · its alternatives →
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MyBudget▲4Track your budget, savings, and even your AI API costs
Jul 2026 · mybudget.tmsweb.fr · its alternatives →
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Master Your Money -Automate Your Personal Finances
2025 · amitconnect44.gumroad.com · its alternatives →
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Simbudget▲64An easy to use tool to monitor your personal finances
2018 · play.google.com · its alternatives →
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Treasury AI▲20Hi 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 →
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ClearBudgetfree tier, from $10.8/mo▲1Budget tracker with local AI. Pay once, no subscripion.
Aug 2026 · apps.microsoft.com · its alternatives →
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Chat with your expenses and make better financial decisions
2025 · jointabby.xyz · its alternatives →
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AI-Powered Expense Tracker
2025 · tryfreddy.netlify.app · its alternatives →
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Ai app that helps students to manage their money and budget
2025 · ai-student-budgeting.lovable.app · its alternatives →
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MoneyPal▲13Chat with your Money. India-first AI personal finance app.
2025 · moneypal.club · its alternatives →
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Wise Budget▲18Master your money with smart, simple budgeting
2025 · play.google.com · 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 →