Can I open-source Monarch Money?
YES · mature open-source replacementYes. Actual Budget (28k stars), Firefly III (24k stars), Wealthfolio (9k stars) are mature open-source replacements for Monarch Money — self-host in one command and stop paying $14.99/mo.
They pay because personal finance apps are only valuable when data arrives automatically and safely.
xbank/investment sync
xtransaction categorization
xhousehold collaboration
xmobile apps
xsupport
xdata security posture
These projects already replace it, free.
AActual BudgetBudgets, imported transactions, schedules and reports on your disk; investment analytics are much thinner.open source↗FFirefly IIITransactions, budgets, goals and net worth in Docker; portfolio analysis is not its favourite spreadsheet.open source↗WWealthfolioInvestments, net worth, spending, budgets and goals on your device; automatic broker sync is the paid shortcut.open source↗What each one is, in full: Actual Budget · Firefly III
all 3 open-source alternatives to Monarch Money →· no votes, no pay-to-list · just what's real
Monarch Money pricing
| plan | monthly | annual (per mo) | what you get |
|---|---|---|---|
| core | $14.99 | $8.33 | One household; budgeting, goals, cash flow, net worth and account tracking |
| plus | — | $16.58 | Everything in Core plus forecasting, business tracking, advanced investment analysis, gains/losses and estate-planning features |
free tierno free tier; 7-day free trial
billingCore monthly + annual; Plus annual only
hidden costsTaxes may apply; app-store billing terms can differ. Core promotions do not apply to Plus or monthly plans. Plus is unavailable on advisor-sponsored accounts.
verified 2026-08-13 · source ↗
Can I open-source Monarch Money?
Yes. Actual Budget replaces Monarch Money today — self-host it on your own server or machine with no subscription. The full list of open-source alternatives is on this page.
How much does Monarch Money cost?
Monarch Money costs about $14.99/month (Core, checked 2026-07-30), which is $179.88 per year. That's what you save by replacing it with open source.
What do I lose by replacing Monarch Money?
Honestly: bank/investment sync; transaction categorization; household collaboration; mobile apps; support; data security posture. If any of those are load-bearing for you, keep paying.
Is there an open-source alternative to Monarch Money?
Yes: Actual Budget (Budgets, imported transactions, schedules and reports on your disk; investment analytics are much thinner.) Firefly III (Transactions, budgets, goals and net worth in Docker; portfolio analysis is not its favourite spreadsheet.) Wealthfolio (Investments, net worth, spending, budgets and goals on your device; automatic broker sync is the paid shortcut.) All 3 curated open-source alternatives are at caniopensourceit.online/monarch-money/alternatives.