Updated August 2026
    Crowded · 72/100

    Open Source Money, Budgeting & Management: 42 Projects Compared

    Every open-source money, budgeting & management project we track, scored on maintenance, momentum and licence — so you can tell the live competitors from the abandoned repositories.

    TL;DR • open source money, budgeting & management • as of August 2026

    Money, Budgeting & Management has 42 open-source implementations in this dataset, of which 27 show real momentum and 2 are dormant or abandoned. The leader is HyperSwitch with 43k stars against a category median of 973 — roughly 45x the typical project. Saturation score 72/100: Crowded. Free, maintained alternatives already dominate this category.

    42
    Implementations
    27
    Real momentum
    2
    Dormant or dead
    64%
    Maintained rate

    Should you build a money, budgeting & management product?

    Crowded · 72/100
    42 implementations · leader 45x the median

    Assume every prospect can find a free version in five minutes. Your wedge has to be something open source structurally cannot deliver: compliance, support SLAs, managed hosting at scale, or a workflow the maintainers refuse to build.

    The practical test in this category: HyperSwitch is the reference implementation at 43k stars, and 27 of 42 projects are still shipping. A buyer evaluating you will find at least one maintained free option, so your pricing and positioning have to answer "why not self-host HyperSwitch?" in the first minute.

    The projects that actually compete

    • HyperSwitch43k stars · 2156 commits/12mo
    • Actual28k stars · 1443 commits/12mo
    • Firefly III — replaces Personal finance24k stars · 2037 commits/12mo
    • Lago — replaces Stripe Billing, Chargebee, Usage-based billing10k stars · 181 commits/12mo
    • Akaunting10k stars · 384 commits/12mo

    All 42 open-source money, budgeting & management projects

    HyperSwitch

    Money, Budgeting & Management

    43k

    Payment switch to make payments fast, reliable and affordable. Connect with multiple payment processors and route traffic effortlessly, all with a single API integration.

    Actively maintained
    Real momentum
    Apache-2.0

    Actual

    Money, Budgeting & Management

    28k

    Local-first personal finance tool based on zero-sum budgeting, supporting synchronization across devices, custom rules, manual transaction importing (from QIF, OFX, and QFX files), and optional automa

    Actively maintained
    Real momentum
    MIT

    Firefly III

    Alternative to Personal finance

    24k

    Firefly III is a modern financial manager. It helps you to keep track of your money and make budget forecasts. It supports credit cards, has an advanced rule engine and can import data from many banks

    Actively maintained
    Real momentum
    AGPL-3.0

    Lago

    Alternative to Stripe Billing, Chargebee, Usage-based billing

    10k

    Metering and usage-based billing.

    Actively maintained
    Real momentum
    AGPL-3.0

    Sure

    Money, Budgeting & Management

    9.5k

    Personal finance application for everyone (fork of Maybe).

    Actively maintained
    Real momentum
    AGPL-3.0

    Ghostfolio

    Alternative to Personal finance

    9.1k

    Wealth management software to keep track of stocks, ETFs and cryptocurrencies.

    Actively maintained
    Real momentum
    AGPL-3.0

    Wallos

    Money, Budgeting & Management

    8.4k

    Lightweight personal subscription tracker with statistics and optional notifications.

    Actively maintained
    Real momentum
    GPL-3.0

    OctoBot

    Money, Budgeting & Management

    6.4k

    Cryptocurrency trading bot.

    Actively maintained
    Real momentum
    GPL-3.0

    Kill Bill

    Money, Budgeting & Management

    5.7k

    Subscription billing & payments platform. Have access to real-time analytics and financial reports.

    Actively maintained
    Real momentum
    Apache-2.0

    Bigcapital

    Money, Budgeting & Management

    3.8k

    Financial accounting and inventory management software for small to medium businesses.

    Actively maintained
    Real momentum
    AGPL-3.0

    Fava

    Money, Budgeting & Management

    2.5k

    Web frontend of Beancount, a text based double-entry accounting system.

    Actively maintained
    Real momentum
    MIT

    InvoiceShelf

    Money, Budgeting & Management

    1.8k

    Track expenses, payments & create professional invoices & estimates (fork of Crater).

    Actively maintained
    Real momentum
    AGPL-3.0

    FOSSBilling

    Money, Budgeting & Management

    1.7k

    Hosting and billing automation. Integrates with WHM, CWP, cPanel and HestiaCP. Full API and easily extensible.

    Actively maintained
    Real momentum
    Apache-2.0

    ExpenseOwl

    Money, Budgeting & Management

    1.5k

    Extremely simple expense tracker with a beautiful UI.

    Dormant
    MIT

    IHateMoney

    Money, Budgeting & Management

    1.4k

    Manage your shared expenses, easily.

    Actively maintained
    Real momentum
    BSD-3-Clause

    Bitcart

    Money, Budgeting & Management

    973

    Cryptocurrencies payment processor and development platform.

    Actively maintained
    MIT

    OpenBudgeteer

    Money, Budgeting & Management

    969

    Budgeting app based on the Bucket Budgeting Principle.

    Dormant
    AGPL-3.0

    WYGIWYH

    Money, Budgeting & Management

    892

    Simple and powerful finance tracker.

    Actively maintained
    Real momentum
    AGPL-3.0

    Budget Board

    Money, Budgeting & Management

    869

    Simple app for tracking monthly spending and working towards financial goals.

    Actively maintained
    Real momentum
    GPL-3.0

    monetr

    Money, Budgeting & Management

    678

    Budgeting application focused on planning for recurring expenses.

    Actively maintained
    Real momentum
    FSL-1.1-MIT

    SHKeeper

    Money, Budgeting & Management

    605

    Cryptocurrency payment processor with the unique combination of gateway and merchant allowing you to accept payments in multiple cryptocurrencies without fees and intermediaries.

    Actively maintained
    Real momentum
    GPL-3.0

    REI3

    Money, Budgeting & Management

    571

    Manage tasks, time, assets and much more within your business.

    Actively maintained
    Real momentum
    MIT

    Ocular

    Money, Budgeting & Management

    550

    Simplistic and straightforward budgeting app to track your budget across months and years.

    Actively maintained
    Real momentum
    MIT

    VoucherVault

    Money, Budgeting & Management

    508

    Store and manage vouchers, coupons, loyalty and gift cards digitally. Supports expiry notifications, transaction histories, file uploads and OIDC SSO.

    Actively maintained
    Real momentum
    GPL-3.0

    Family Accounting Tool

    Money, Budgeting & Management

    364

    Web-based finance management tool for partners with partially shared expenses.

    Actively maintained
    Apache-2.0

    Kresus

    Money, Budgeting & Management

    339

    Personal finance manager.

    Actively maintained
    AGPL-3.0

    MyFin Budget

    Money, Budgeting & Management

    302

    Personal finances platform (web + REST API + Android) that'll help you budget, keep track of your income/spending and forecast your financial future.

    Actively maintained
    GPL-3.0

    Receipt Wrangler

    Money, Budgeting & Management

    263

    Easy-to-use receipt manager, powered by AI. Allows users to create receipts effortlessly and quickly, categorize and more.

    Actively maintained
    AGPL-3.0

    Assets

    Money, Budgeting & Management

    182

    Personal net worth and investment tracker.

    Slowing down
    ⊘ Proprietary

    DePay

    Money, Budgeting & Management

    132

    Accept Web3 Payments directly into your wallet. Peer-to-peer, free, self-hosted & open-source.

    Slowing down
    MIT

    GRR

    Money, Budgeting & Management

    109

    Assets management and booking for small/medium companies.

    Actively maintained
    GPL-2.0

    YAFFA

    Money, Budgeting & Management

    108

    Personal finance web application, that can be used to keep track of your money, expenses, budgets, and investments. It also helps with long-term financial planning.

    Actively maintained
    MIT

    Econumo

    Money, Budgeting & Management

    90

    Budgeting application for managing personal and family finances, supporting multiple currencies, joint accounts, and budgets.

    Actively maintained
    MIT

    Galette

    Money, Budgeting & Management

    70

    Membership management web application aimed towards non profit organizations.

    Actively maintained
    GPL-3.0

    Mybucks.online

    Money, Budgeting & Management

    19

    Secure, browser-based, password-only self-custodial cryptocurrency wallet.

    Actively maintained
    MIT

    Pancake

    Money, Budgeting & Management

    Online invoicing, project management, time tracking and proposal software.

    Not verified
    ⊘ Proprietary

    Paid money, budgeting & management tools with open-source alternatives

    How to compete when a free version already exists

    Why 'someone already built it' is the wrong conclusion

    Existence is not competition. A project competes with you only if it is maintained, findable, deployable by your buyer and licensed for their use. Most projects fail at least one of those tests. Run all four before you shelve an idea — or before you assume you have a clear run.

    • Maintained: commits in the last twelve months and a recent release.
    • Findable: your buyer can discover it without knowing the project name.
    • Deployable: the buyer's team can actually run it without a platform engineer.
    • Licensed: the licence permits the use your buyer needs.

    How stars mislead founders

    Stars are a lifetime counter with no decay, so a project abandoned in 2022 still looks like a leader in 2026. In this dataset 149 projects are dormant, abandoned or archived, and several of them sit in the top decile by stars. Sort by momentum and commit activity instead — popularity tells you the project was once interesting, maintenance tells you whether it will still be there when your customer needs a bug fixed.

    The self-hosting cost buyers forget to count

    When a prospect says 'we could just self-host the free one', they are usually comparing your price against zero. The real comparison is your price against hosting, upgrades, backups, security patching, integration work and the engineer hours behind all of it. Quantifying that number is the single most effective response to a free-alternative objection — and it is more persuasive coming with a spreadsheet than with a feature list.

    • Infrastructure: compute, storage, backups, monitoring.
    • Upgrades: breaking releases, migration work, dependency drift.
    • Security: patching, access control, audit trails, compliance evidence.
    • Opportunity cost: engineer time not spent on your buyer's actual product.

    Licences decide business models

    Founders treat licensing as a legal footnote and then discover it dictates strategy. Permissive licences allow closed commercial forks, which is why so many managed services exist around MIT and Apache projects — and also why your differentiation cannot be the code itself. Copyleft licences, especially AGPL, remove the closed-wrapper option entirely, which reduces competition but restricts you too. Source-available licences exist precisely to stop the wrapper business.

    Open source competition: common questions

    How do I know if my startup idea already exists as open source?

    Search this database by category and by the commercial product you would replace. It covers 1665 projects across 130 categories, each mapped to the paid tool it substitutes. If your category shows a "Crowded" verdict, a maintained free version almost certainly exists and your positioning has to account for it.

    Does an open-source alternative mean I should not build my product?

    No. It means free is your price anchor. Plenty of large companies were built next to a good open-source project — the ones that failed were the ones selling the same job at a price the free tool made indefensible. Find the part of the job the project deliberately does not do, and sell that.

    What does the saturation score mean?

    Each category gets a 0–100 score built from three inputs: how many implementations exist, what share of them are still actively maintained, and how far ahead the leading project is compared with the category median. 62+ is Crowded, 38–61 Contested, under 38 Open. 11 categories are Crowded and 88 are Open.

    How is 'real momentum' calculated?

    A project has momentum when it committed code in most of the last twelve months, shipped a release recently and is not archived. 736 of 1665 projects qualify. This is the single most useful filter here — it strips out the popular-but-dead repositories that make a category look more competitive than it is.

    Can I use an open-source project commercially?

    It depends entirely on the licence. MIT, Apache and BSD let you build and sell closed products on top. GPL and AGPL require derivative work to stay open, and AGPL extends that to network use, which blocks most SaaS wrappers. BSL, SSPL and Commons Clause are source-available, not open source, and usually restrict competing commercial use outright.

    Validate before you build in a crowded category

    IdeaProof scores your idea against real competitors, market size and 1,000+ documented startup failures in about two minutes.

    Validate your idea free