AI · alternatives · 2026
24 alternatives to OpenTeller
Private budgeting for any bank, in the AI you already use
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 2 we have checked on their own sites, 2 of them free or with a free tier.
- 1
Pulse Local, a Mac budgeting app whose AI models run on your machinefree tier, from $20/mo▲122A budgeting app with AI on your own machine. Your ledger and your questions both stay on disk. The models download once, then nothing about you leaves.
8d ago · pulseos.finance · its alternatives →
- 2
- 3
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 →
- 4
2020 · github.com · its alternatives →
- 5
SpendKeep▲27The Privacy-First Expense Tracker. No Bank Login Required.
Jul 2026 · spendkeep.com · its alternatives →
- 6
- 7
Private and local. No AI or cloud. Just you and your money.
Jun 2026 · finplan.me · its alternatives →
- 8
Kept▲3Track your money privately — no bank links, no subscriptions
Apr 2026 · kept.diversekit.cloud · its alternatives →
- 9
FinArt▲3Reads notifications, tracks expenses, never sells your data.
Apr 2026 · apps.apple.com · its alternatives →
- 10
Private budget tracker. See where your money goes
Jul 2026 · fainto.app · its alternatives →
- 11
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 →
- 12
The AI budget tracker that works completely offline
Sep 2026 · play.google.com · its alternatives →
- 13
Hi HN! I’m a solo iOS dev who kept losing track of where my grocery and shopping money was going, so I built ReceiptIQ Pro. What it does: - Scan any receipt with on-device AI/OCR and instantly categorize the items. - Auto-build spending charts, budgets, and exportable CSVs—no manual typing. - Works offline; iCloud backup/restore optional. No data leaves your phone unless you choose to. - Small extras: warranty reminders, bill tracking, and income logging. Tech bits: - Swift/SwiftUI on iOS. - Apple’s Vision framework + my own ML post-processing. - A lightweight Python backend…
2025 · receiptiq.me · its alternatives →
- 14
On-device AI expense tracker with Tinder-like swipes.
Mar 2026 · play.google.com · its alternatives →
- 15
See where your money goes. No bank login required.
Jul 2026 · finance.one-m.app · its alternatives →
- 16
Capy Budgetfree▲3AI-powered budgeting. Local-first, private, plain CSV
Jun 2026 · capybudget.app · its alternatives →
- 17
Speak or scan to track your budget — fast, clean, synced
2025 · apps.apple.com · its alternatives →
- 18
- 19
Budget like nobody's watching. Because nobody is.
Jun 2026 · teralabsllc.com · its alternatives →
- 20
- 21
The world's most private AI-powered budgeting app
Jun 2026 · play.google.com · its alternatives →
- 22
2019 · github.com · its alternatives →
- 23
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 →
- 24
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 →