Accounts Live
Every bank, card and cash account, in any currency.
- Bank sync via 6 providers
- Manual and cash accounts
- CSV, OFX, statement import
- iOS SMS tracking
Open-source personal finance tracker
All your money,
organized automatically.
Accounts, investments, loans, vehicles and more flow into one place. Categories, transfers and balances take care of themselves.
40-day free trial. No card needed.
Diagram: accounts, investments, liabilities and vehicles feed into MoneyMatter, which shows net worth, cash flow and insights. Real estate, commodities and pension tracking are coming soon.
Investments Live
Portfolios next to your everyday money.
- Holdings, trades and cash
- Realized and unrealized gains
- Stocks, ETFs and crypto
- Soon: custom investments
Liabilities Live
What you owe, counted against what you own.
- Loans with payoff projection
- Credit cards and overdrafts
- Debt history in net worth
Vehicles Live
Your car counts toward net worth.
- Estimated from price and age
- Automatic depreciation
- Override the value anytime
Real estate Soon
Property value and what you still owe on it, in your net worth.
Commodities Soon
Gold, silver and other metals, valued at market price.
Pension Soon
Retirement accounts and contributions, tracked for the long run.
Pick an island or a chip to see what it tracks. Dashed ones are on the way.
Live demo
Click around a real account
The demo opens a full account with sample data. No signup needed.
No signup · sample data
How it works
From scattered bank data to a settled picture
Your transactions arrive messy. By the time you open the app, they are sorted, matched and counted.
Animated example: transactions from Monobank, Lunch Flow, SimpleFIN and a bank statement go into MoneyMatter, which categorizes them, applies rules, matches transfers and refunds, and finds payees. Five clean transactions come out, account balances update, and net worth rises from $14,140.35 to $18,262.64.
Sample data with fictional merchants.
Automation
The tedious part is done before you open the app
AI categorization
Cryptic bank descriptions become real categories, without a setup step.
Your rules
Decide once how something should be handled, and it stays handled.
Transfers and refunds
Both sides get matched, so moving money never looks like spending it.
Payees and subscriptions
Merchants are recognized and recurring payments show up on their own.
Account reconciliationCheck your balance against the bank's and settle the difference.
Statement importDrop in a bank statement. AI-assisted parsing handles messy files.
Bank connections
Connect through the provider that covers your bank
Coverage depends on the provider, so check its own page for your bank before you start.
Sync is read-onlyIt can never move your money.
Lunch Flow
USA
EU
UK
Canada
Australia
New Zealand- and more
SimpleFIN- USA
- Canada
Monobank
Ukraine
Akahu- New Zealand
Walutomat
Poland
Enable Banking- EU
- UK
Bank not listed?Import your history instead.
- YNAB
- Wallet
- Microsoft Money
- CSV
- OFX
- Bank statements
All in one place
Everything you own and owe, in one picture
01
Net worth you can trust
Cash, investments, vehicles, ventures and debts add up in one history, week by week.
- Stacked by asset type
- Liabilities counted against what you own
- Filter by asset, liability and period
02
Investments next to everything else
Holdings, cost basis and realized and unrealized gains, for stocks, ETFs and crypto.
- Total return per holding
- Cash balances inside each portfolio
- Import trades from a file
- LoansWhat you still owe, in your net worth.
- VehiclesCount what your car is worth.
- Venture dealsKeep private investments on the map.
- Multi-currencyAccounts in any currency, one total.
- Family sharingUp to 5 household seats on Plus.
AI assistants
Ask your assistant about your money
Connect Claude, ChatGPT, or any MCP-compatible AI to your financial data. Hand it a statement, a spreadsheet, or a receipt photo and it books the transactions. Ask questions the UI can't answer.
Hand it a file
Ask a question
Automate
statement-oct.pdfAdd every transaction from this statement to my checking account.
N
Acct ····4821Northside BankAccount statement
Oct 1–31, 2026
| Date | Description | Amount |
|---|---|---|
| Oct 02 | GRN MKT 88213 | −$38.40 |
| Oct 03 | CITY FUEL 0291 | −$52.10 |
| Oct 05 | STREAMBOX.COM | −$12.99 |
| Oct 06 | ACME PAYROLL OCT | +$2,600.00 |
| Oct 08 | CORNER COFFEE #0412 | −$24.50 |
| Oct 09 | GRN MKT 88213 | −$61.20 |
Closing balance$3,182.41
create_transactionMoneyMatter
- Green Market−$38.40
- City Fuel−$52.10
- Streambox−$12.99
- Acme Inc+$2,600.00
- Corner Coffee−$24.50
- Green Market−$61.20
Imported 6 transactions to Checking: $2,600.00 in income and $189.19 in expenses.
export.csvHere's an export from my old app. Import all of it to checking.
export.csv
| date | payee | category | amount |
|---|---|---|---|
| Oct 02 | Green Market | Groceries | -38.40 |
| Oct 03 | City Fuel | Transport | -52.10 |
| Oct 06 | Acme Inc | Salary | 2600.00 |
| Oct 08 | Corner Coffee | Eating out | -24.50 |
| Oct 09 | Green Market | Groceries | -61.20 |
create_transactionMoneyMatter
- Green Market−$38.40
- City Fuel−$52.10
- Acme Inc+$2,600.00
- Corner Coffee−$24.50
- Green Market−$61.20
Imported all 5 rows to Checking, each matched to a category and payee.
receipt.jpgAdd this receipt to my expenses.
GREEN MARKET
Store 114 · Oct 08 2026 14:32
Whole milk 1gal$4.29
Sourdough bread$3.49
Free-range eggs$1.19
Bananas 2lb$0.85
Cheddar 8oz$1.79
TOTAL$11.61
CARD ····4821Approved
Thank you!
create_transactionMoneyMatter
- Green Market−$11.61
Added one $11.61 expense at Green Market, categorized automatically.
screenshot.pngAdd the transactions from this screenshot to checking.
Checking · ····4821$3,182.41
G
Green MarketOct 02
−$38.40C
City FuelOct 03
−$52.10S
StreamboxOct 05
−$12.99A
Acme IncOct 06
+$2,600.00C
Corner CoffeeOct 08
−$24.50create_transactionMoneyMatter
- Green Market−$38.40
- City Fuel−$52.10
- Streambox−$12.99
- Acme Inc+$2,600.00
- Corner Coffee−$24.50
Imported 5 transactions to Checking, categorized automatically.
Which of my subscriptions got more expensive this year?
get_subscriptionsMoneyMatter
- StreamboxJanuary · $10.99 → $12.99+$2.00
- Northwind MobileMarch · $42.00 → $45.00+$3.00
- Fit ClubJune · $35.00 → $39.00+$4.00
Three did: Streambox +$2.00 in January, Northwind Mobile +$3.00 in March, Fit Club +$4.00 in June. Combined that adds $108/year.
Where did my money go last month?
get_spending_by_categoriesMoneyMatter
- Groceries42 transactions$612.30
- Eating out18 transactions$388.10
- Transport11 transactions$295.40
- Shopping7 transactions$241.00
- Subscriptions3 transactions$96.99
Groceries led at $612, over a third of the month. Eating out came second and is up 40% on the month before.
Am I over budget on anything this month?
get_tracker_spending_statsMoneyMatter
- Eating out$548 of $500110%
- Groceries$640 of $80080%
- Transport$180 of $30060%
- Entertainment$95 of $20048%
Only Eating out: $48 over with 9 days to go. Everything else is on track, and Groceries still has $160 left.
Use OpenClaw, Claude, or any agent framework to run financial analyses on a schedule you set.
Weekly digestEvery Monday, 8:00
get_expenses_for_period
You spent $412 last week, 12% less than usual. Groceries took the most at $148.
Anomaly checkEvery day, 21:00
search_transactions
$249.00 at Volt Electronics is 4× your usual Shopping spend. Was that you?
Budget health check1st of every month
get_tracker_spending_stats
3 of 4 budgets stayed on track in September. Trimming Eating out by $50/month gets you to your savings goal by December.
Connect in a minutePaste the remote MCP server into Claude or ChatGPT connector settings. Or use the built-in AI, your own API key, or a local model. Your data never has to leave your server.
https://mcp.moneymatter.app/mcpYou choose the access
- ReadIt answers questions from your data.
- WriteIt can also add and edit records.
- Write and deleteIt can also remove them.
It signs in through OAuth, and you can revoke it in settings.
From people using it
What users say
Real comments, quoted as written. Public ones link to the original post.
I've been using MoneyMatter for around three months and I'm honestly surprised it hasn't received more attention.
Thanks for developing this 360 degree financial app.
Using MoneyMatter? Share how it goes on Reddit
Pricing
Simple pricing, with 40 days to decide
Try every cloud feature for 40 days, no card needed.
Essential
Manual entry and everything that is local math.
$30/yearSave $30/yror $5/month
Try for free- Imports: CSV, OFX, YNAB, Wallet, MS Money
- Investments, loans, vehicles, venture
- AI features with your own API key
- Backup export and restore
- MCP server for AI agents
- 2 household seats
Plus
Includes bank syncEverything around bring-your-own bank connections.
$55/yearSave $41/yror $8/month
Try for free- Everything in Essential
- Bank sync: LunchFlow, SimpleFIN, Monobank, Akahu
- AI features on our key, no setup
- FIRE planner
- 5 household seats
Premium
PlannedBank connections we run for you.
$80/yearSave $64/yror $12/month
- Everything in Plus
- Bank sync we run: no API keys, no provider subscription
- 2 banks included (unlimited accounts), extra banks $2/mo
- Real-time security prices
- Higher AI usage cap
- 10 household seats
Self-hosting is free, foreverThe same app on your own server, with Docker Compose.
Self-host guidePrices in USD. Taxes are calculated at checkout. Cancel anytime.
Open source
Built in the open by one developer
MoneyMatter is made by a solo developer, with a public roadmap and changelog. You can read every line of the code, or run all of it yourself.
Repository activity
Commit history- Commits, last 30 days
- Last push
$git clone https://github.com/letehaha/moneymatter.git
$cd moneymatter/self-hosting
$cp .env.example .env
$docker compose up -d
# open http://<host>:8080The developer seems very open to user feedback and users can suggest and vote on features for the roadmap.Reddit user, r/YNABAlternatives
- AGPL-3.0Anyone can audit the code on GitHub.
- Free to self-hostDeploy with Docker Compose, and add Enable Banking for EU and UK banks.
- No lock-inExport a backup and move between the cloud and your own server, both ways.
- Your data stays yoursNever sold or shared. No ads, and no Google or Facebook trackers.
FAQ
Questions, answered
Is my data secure?
Your browser talks to us over HTTPS. We store your bank credentials and AI keys encrypted with AES-256-GCM, so a stolen copy of the database can't reveal them. We don't sell or share your data, and Stripe handles your card, so we never see it. You won't find Google or Facebook trackers here. Sentry tells us about a crash the moment it happens and PostHog shows us where people get stuck, so we often ship a fix before you write to us. Anyone can audit the code on GitHub. Self-host, and your data stays on your server.
Which banks are supported?
Thousands of banks in 30+ countries. LunchFlow and SimpleFIN connect banks across the US, Canada and Europe. Monobank covers Ukraine, Akahu covers New Zealand. You open an account with the provider and MoneyMatter syncs from it. Bank sync comes with the Plus plan. If your bank is missing, import CSV, OFX or statement files.
What happens after the 40-day trial?
You start without a card, so we can't charge you when the trial ends. Skip the subscription and your account turns read-only: you can sign in, view and export your data, or delete the account. We don't delete anything.
What's the difference between the plans?
Essential costs $30 a year. You get manual tracking, imports, budgets, investments, reports, backups, AI features on your own API key, the MCP server and 2 household seats. Plus costs $55 a year and adds bank sync, AI features on our key and 5 seats. Self-hosting is free and includes all of it.
Self-hosted or cloud, what's the difference?
Both run the same app. Self-host for free with Docker on your own server, and we never see your data. You run the updates and plug in your own API key for crypto prices. On the cloud, we do that work for you: we host the app, ship updates and security patches, and pay for the data feeds behind stock and crypto prices, exchange rates and merchant logos.
Can I move between the cloud and my own server?
Yes, both ways. Export a backup on one and restore it on the other. Backup export works during the trial, so you can try the cloud first and move to your own server later with all your data.
Can I bring my data from another app?
Yes. MoneyMatter imports from YNAB, Wallet by BudgetBakers and Microsoft Money. For other apps, use CSV, OFX or bank statement import, with AI-assisted parsing for messy files.
What can an AI assistant see and do?
What you approve. When you connect an assistant, you pick one of three access levels: read, write, or write and delete. The assistant signs in through OAuth, and you can revoke its access in settings.
How do taxes and refunds work?
Stripe sells the subscription as merchant of record, so your card statement says "Link". Stripe adds VAT or sales tax at checkout. For a refund, email support@moneymatter.app within 14 days of your first payment. You get the full amount back, no questions asked.
All your money, organized automatically.
Connect a bank, import a file, or start by hand.
40-day free trial. No card needed.
- Open source
- Free to self-host
- Read-only bank sync