Important: no bill negotiation or cancellation service
These tools track spending and subscriptions. They do not negotiate bills or cancel subscriptions for you the way Rocket Money's service does, so you handle cancellations yourself.
Alternatives / Rocket Money
4 open-source alternatives
4 Best Open Source Rocket Money Alternatives in 2026
Looking for an open source Rocket Money alternative? We compared 4 open source budgeting and subscription tracking tools by license, self-hosting, bank sync, and privacy. Three are budgeting apps, one is a subscription tracker, and none negotiates bills for you.
Written by Maxime DERAME
Last updated:
Best Rocket Money alternatives at a glance
| Alternative | Best for | License |
|---|---|---|
| Actual | Envelope budgeting with multi-device sync | MIT |
| Sure | Net worth and budgets (fork of the archived Maybe) | AGPL-3.0 |
| Monetr | Paycheck-based budgeting (Fair Source license) | FSL-1.1-MIT |
| Suprascribe | Finding recurring charges from your email (very small) | AGPL-3.0 |
How we chose these Rocket Money alternatives
We looked for open-source tools that overlap with Rocket Money's core: tracking spending, budgets, and recurring subscriptions. We verified each project's license, recent activity, stars, and self-hosting in its repository. Rocket Money also offers bill negotiation and cancellation services, which no open-source tool provides, so we focus on tracking and budgeting. See our methodology for the full criteria.
Closest to Rocket Money
Actual and Sure are the closest for everyday budgeting and net worth tracking, with self-hosting. Actual supports bank sync for US, EU, and UK users through third-party services you set up, with optional end-to-end encryption, and you run its sync server yourself.
Important: licenses and a small project
Monetr uses the FSL-1.1-MIT license, which is Fair Source and becomes MIT after two years. Suprascribe scans your email for recurring charges, which means giving it access to your inbox, and its pro features cost a one-time €5. Actual is MIT, and Sure and Suprascribe are AGPL-3.0.
Maintenance status
Actual, Sure, Monetr, and Suprascribe all had commits within days of this update. Suprascribe is very small with about 11 stars.
Why look for a Rocket Money alternative?
Rocket Money is a proprietary app that reads your bank data through aggregators, charges subscription fees for premium features, and takes a share of savings on bill negotiation. Open-source alternatives let you keep financial data on your own device or server, avoid ads and data resale, and customize budgets, at the cost of less automatic bank syncing and no negotiation service.
actualbudget.org
Actual is a local-first personal finance app with envelope budgeting, bank sync, imports from multiple formats, split transactions, reports, undo and redo, an API, and YNAB importers. It supports multi-device sync with optional end-to-end encryption and can be self-hosted.
29.5K3.1KMITSelf-hosted
Pricing: Free and open source; bank sync depends on third-party providers.
- Envelope budgeting closest to YNAB, with YNAB importers
- Local-first with optional end-to-end encryption
- MIT license and active development
- Bank sync needs third-party services
- Self-hosting requires a server for sync
sure.am
Sure is a community fork of the abandoned Maybe Finance project. It tracks accounts, debts, and net worth, with transaction categorization, budgets, smart rules, and AI-powered queries, and can be self-hosted.
10.5K641AGPL-3.0Self-hosted
Pricing: Free and open source; a hosted service may be offered.
- Maintained continuation of Maybe
- Net worth, debt, and budget tracking with smart rules
- AI-powered queries
- Community fork of an abandoned project
- Newer and less proven than Actual
monetr.app
Personal finance application for tracking spending, categorizing expenses, planning recurring bills, forecasting balances, and allocating money around upcoming costs and savings goals. It is closer to YNAB than a group expense splitter. Current releases use FSL-1.1-MIT, a Fair Source license rather than standard open source; some banking features depend on external providers such as Plaid.
68749FSL-1.1-MITSelf-hosted
Pricing: Self-hostable source-available project; banking integrations may rely on external providers.
- Recurring bill planning, spending categories, and savings goals
- Financial forecasting and paycheck-oriented budgeting
- Self-hostable with active development and modern Go/TypeScript stack
- Not a direct Splitwise replacement and lacks group debt settlement
- Focused on personal finance rather than shared expenses
- Fair Source license and some banking features depend on third parties
suprascribe.com
Suprascribe is an AGPL-3.0 open-source tool that scans your email (Gmail, Outlook, iCloud, or any IMAP provider) to find recurring charges, with spending overviews and two-click unsubscribe. Pro features, automatic discovery and advanced management, cost a one-time €5. It requires access to your inbox and covers only subscriptions, and it is a very small project.
111AGPL-3.0Self-hosted
Pricing: Free to self-host; Pro features cost a one-time €5.
- Finds recurring charges from your email
- Two-click unsubscribe
- Open source with a cheap pro tier
- Needs access to your email inbox
- Very small project and only covers subscriptions
Compare Rocket Money alternatives
| Alternative | Type | License | Self-hosted | Best for |
|---|---|---|---|---|
| Actual | Budgeting | MIT | Yes | Envelope budgeting |
| Sure | Personal finance | AGPL-3.0 | Yes | Net worth and budgets |
| Monetr | Budgeting | FSL-1.1-MIT | Yes | Paycheck budgeting |
| Suprascribe | Subscription tracker | AGPL-3.0 | Yes | Recurring charges |
Which one should you choose?
Want a mature self-hosted budgeting app
Actual offers envelope budgeting, multi-device sync, and optional end-to-end encryption under MIT.
Want net worth tracking and budgets
Sure tracks accounts, debts, and net worth with budgets, smart rules, and AI-powered queries.
Want paycheck-based budgeting
Monetr allocates each paycheck to bills and goals, under a Fair Source license.
Want to find forgotten subscriptions
Suprascribe scans your email for recurring charges, with a one-time €5 pro tier, but it needs access to your inbox.