Rocket Money alternatives: 2 open-source picks
These 2 Rocket Money alternatives replace it for $0, led by Actual Budget and Firefly III. All 2 are open source. License, stars and last commit checked by hand on 2026-08-29. No trials, no crippled tiers.
Local-first envelope budgeting with multi-device sync and bank import.
licenseMIT
runsyour server
setupnot verified by us yet — check the repo README
facts verified 2026-08-29
Personal finance manager with budgets, rules, and reports — your money data stays home.
licenseAGPL-3.0
runsyour server
setupnot verified by us yet — check the repo README
facts verified 2026-08-29
What each one is, in full: Actual Budget · Firefly III
last updated 2026-08-29 · no votes, no pay-to-list · just what's real
the usual suspects · recommended everywhere, rejected here
Firefly IIIIt can expose recurring charges after import, but there is no cancellation workflow or provider checklist.
Maybe FinanceThe once-obvious answer is archived; last push July 2025.
WallosA tidy subscription tracker, but it neither finds charges from imported transactions nor cancels anything.
how to choose a Rocket Money alternative
Easiest to get running
Actual Budget — a one-click install, no server to maintain.
Most proven
Actual Budget, with 28,752 GitHub stars — the largest community of the 2, which usually means more answers when something breaks.
what you give up by leaving Rocket Money
- bank aggregation, bill negotiation, cancellation operations, and financial partnerships
- direct bank feeds
- tax filing guarantees
- payroll and payments
- accountant ecosystem and support
None of the picks above covers all of it. The full verdict says which gaps matter.
Rocket Money alternatives at a glance
| tool | license | running it | platforms | stars | active |
|---|---|---|---|---|---|
| Actual Budget | MIT | one-click install | self-hosted, web | 28,752 | 2026-09 |
| Firefly III | AGPL-3.0 | one-click install | self-hosted, web | 24,601 | 2026-09 |
why people still pay for Rocket Money
People still pay for Rocket Money because people pay because accurate money records and dependable institution connections are worth more than the visible charts. The recurring cost buys import normalization, reconciliation, rule drift, exchange rates, backups, audit trails, tax changes, bank APIs, and support, not just the visible interface.
questions about switching from Rocket Money
Is there an open-source alternative to Rocket Money?
Yes: Actual Budget, Firefly III. Every tool on this page is open source: no trials, no crippled tiers.
Can open source really replace Rocket Money?
Our verdict is YES. Actual Budget (29k stars), Firefly III (25k stars) are mature open-source replacements for Rocket Money — self-host in one command and stop paying. The full verdict, and what you give up by switching, is at caniopensourceit.online/rocket-money.
What is the easiest open-source Rocket Money alternative to set up?
Actual Budget — a one-click install, no server to maintain.
What is the most popular open-source Rocket Money alternative?
By GitHub stars, Actual Budget (28,752). Firefly III is next with 24,601.
