Budgeting app privacy ratings
Budgeting and accounting apps that keep data local.
14 budgeting are rated against 4 public criteria, and 14 have enough evidence for a letter grade. Of the 6 with a known jurisdiction, 3 are based in a Five Eyes country, and 6 in the wider Fourteen Eyes.
Open-source budgeting only · Criteria for this category · Suggest an addition · Markdown
| Name | Grade | Score | Data | Jurisdiction | Open source | No trackers or telemetry | No ads or data sales | Independent audit |
|---|---|---|---|---|---|---|---|---|
An approach to bookkeeping that keeps records in plain text files and processes them with command-line tools such as Ledger, hledger and Beancount. |
Grade A | 100 | 100% | – | Yes | Yes | Yes | Not applicable |
Local-first personal finance app based on envelope budgeting, with optional self-hosted sync between devices and optional end-to-end encryption. |
Grade B | 80 | 100% | – | Yes | Yes | Yes | No |
Offline-first expense tracker for Android and iOS, with optional sync through a self-hosted BeeCount Cloud server, iCloud, Supabase, WebDAV or S3. |
Grade B | 80 | 100% | – | Yes | Yes | Yes | No |
Cross-platform double-entry accounting application for personal and small business finance, with accounts, budgets, scheduled transactions, investments and reports. |
Grade B | 80 | 100% | – | Yes | Yes | Yes | No |
Open-source double-entry personal finance manager from KDE for Linux, Windows and macOS, with budgets, investments, scheduled transactions and bank statement import. |
Grade B | 80 | 100% | Germany Fourteen Eyes | Yes | Yes | Yes | No |
Open-source personal finance manager from KDE for tracking accounts, budgets, investments and scheduled operations, with reports and import from many file formats. |
Grade B | 80 | 100% | Germany Fourteen Eyes | Yes | Yes | Yes | No |
Self-hosted personal finance manager with double-entry bookkeeping, budgets, categories, tags, a rule engine, reports and a REST API. |
Grade C | 65 | 100% | – | Yes | Partial | Yes | No |
Self-hosted, open source portfolio tracking and accounting tool for crypto assets and other investments, with data stored locally. Runs on Linux, macOS, Windows and Docker. |
Grade C | 65 | 100% | Germany Fourteen Eyes | Yes | Partial | Yes | No |
Self-hosted personal finance app for recording transactions and analyzing spending, with data kept on the user's own server. Supports two-factor authentication and OIDC login. |
Grade D | 50 | 100% | – | Yes | No | Yes | No |
Open-source personal finance app for Windows, macOS, Linux and Android for tracking accounts, budgets, investments and scheduled transactions, with data stored in a local database. |
Grade D | 40 | 100% | – | Yes | No | Partial | No |
Open-source personal finance program for Windows and Linux for tracking accounts, budgets and spending, with charts, reports and bank file import. |
Grade F | 30 | 100% | – | Yes | No | No | No |
Subscription personal finance app that syncs bank and investment accounts to track spending, budgets, net worth and goals, with shared access for households. |
Grade F | 20 | 100% | United States Five Eyes | No | No | Partial | Partial |
Personal finance software from Quicken Inc., including the Quicken Classic desktop app and the Quicken Simplifi web and mobile app, for budgeting, bill tracking and investment tracking. |
Grade F | 0 | 100% | United States Five Eyes | No | No | No | No |
Subscription budgeting app based on zero-based budgeting, where every unit of income is assigned a job, with optional bank account syncing. |
Grade F | 0 | 100% | United States Five Eyes | No | No | No | No |
Questions
What is the most private option among budgeting?
No pick has been made yet. The table above is sorted by score, based on public evidence.
How are budgeting rated?
Each entry answers 4 questions: open source, no trackers or telemetry, no ads or data sales and independent audit. Answers need links to evidence. See the full criteria.
Does jurisdiction matter?
Jurisdiction decides which laws can compel a provider to hand over data. Each entry shows its country and whether it is in the Five, Nine or Fourteen Eyes. The data a provider can hand over depends mostly on what it stores and who holds the keys. Read about jurisdictions and the CLOUD Act.