MoneyMatter Your finances. Your server. Your rules.
Free, open-source personal finance tracking. Run it on your own server with Docker, or use our cloud. Your data is never sold or shared.
Early adopter perk: Shape the roadmap with your feedback
Why MoneyMatter?
Price, bank coverage, and who holds your data.
Compared August 2026 against Monarch, Copilot, Simplifi, Empower, and PocketGuard.
Core Features
Banks, budgets, investments, and reports in one place.
Bank Connections
Auto-sync through SimpleFIN, Enable Banking, and Monobank, covering thousands of banks across the US, Canada, and Europe. More providers coming.
AI That Works for You
Auto-categorization that learns your patterns. Use our AI or bring your own endpoint. Any OpenAI-compatible API works, including a local model.
Switch in One Click
Direct importers for YNAB, Wallet by BudgetBakers, and Microsoft Money, plus multi-file CSV import.
Budgets
Set budgets and track progress. Refunds count back automatically, and you can share a budget with collaborators.
Recurring & Scheduled New
Plan recurring charges and income. See upcoming payments before they hit your balance.
Full Net Worth
Stocks, crypto, venture deals, vehicles, and loans. Everything you own and owe in one picture.
Reports & Insights New
Net worth over time, cash-flow view, and pivot tables you can slice by category, account, or period.
Family Sharing
Share one account with a parent or accountant, or give a partner full visibility. Pick read-only or write access, scoped per recipient.
Multi-Currency
Any currency, automatic exchange rates. Useful when your salary and your rent are in different currencies.
Also in the box
Your finances, AI-ready
Connect Claude, ChatGPT, or any MCP-compatible AI to your financial data. Ask questions the UI can't answer, and let agents run the analysis.
Ask complex questions
The AI reads your full transaction history, cross-references accounts and categories, and answers in plain language.
Which of my subscriptions got more expensive this year?
Three did: Netflix +$4.00 in January, iCloud +$1.00 in March, Spotify +$2.00 in June. Combined that adds $84/year. Your cheapest month for subscriptions was February at $47.96.
Automate with AI agents
Use OpenClaw, Claude, or any agent framework to run financial analyses on a schedule you set.
Weekly spending digest
Get a breakdown of your week's spending every Monday morning
Anomaly detection
Flag unusual transactions or spending spikes as they land
Monthly budget health check
Automated review with saving recommendations and goal tracking
Remote MCP server. Paste into Claude or ChatGPT connector settings.
https://mcp.moneymatter.app/mcp Use the built-in AI, bring your own API key, or point it at a local model. Your data never has to leave your server.
Two ways to use MoneyMatter
Run it on your own server with Docker, or sign up for our cloud in a minute. Your data is never sold.
Self-Hosted
Your server, your data
- We never see your data
- Deploy with Docker Compose
- Runs on a $5 VPS or a Raspberry Pi
- Built-in backup & restore
- Audit the open source code
Cloud Hosted
Quick start, still private
- No setup required
- Data never sold or shared
- Export all your data anytime
- Move to self-hosted anytime: export, restore, done
Own your financial data
Sign up for the cloud in a minute, or pull the Docker image and run it yourself.