# Budgeting privacy ratings

Budgeting and accounting apps that keep data local.

| Name | Grade | Jurisdiction | Description |
| --- | --- | --- | --- |
| [Plain Text Accounting](https://privacyratings.com/budgeting/plain-text-accounting/) | A (100/100) | Unknown | An approach to bookkeeping that keeps records in plain text files and processes them with command-line tools such as Ledger, hledger and Beancount. |
| [Actual](https://privacyratings.com/budgeting/actual/) | B (80/100) | Unknown | Local-first personal finance app based on envelope budgeting, with optional self-hosted sync between devices and optional end-to-end encryption. |
| [BeeCount](https://privacyratings.com/budgeting/beecount/) | B (80/100) | Unknown | Offline-first expense tracker for Android and iOS, with optional sync through a self-hosted BeeCount Cloud server, iCloud, Supabase, WebDAV or S3. |
| [GnuCash](https://privacyratings.com/budgeting/gnucash/) | B (80/100) | Unknown | Cross-platform double-entry accounting application for personal and small business finance, with accounts, budgets, scheduled transactions, investments and reports. |
| [KMyMoney](https://privacyratings.com/budgeting/kmymoney/) | B (80/100) | Germany (Fourteen Eyes) | Open-source double-entry personal finance manager from KDE for Linux, Windows and macOS, with budgets, investments, scheduled transactions and bank statement import. |
| [Skrooge](https://privacyratings.com/budgeting/skrooge/) | B (80/100) | Germany (Fourteen Eyes) | Open-source personal finance manager from KDE for tracking accounts, budgets, investments and scheduled operations, with reports and import from many file formats. |
| [Firefly III](https://privacyratings.com/budgeting/firefly-iii/) | C (65/100) | Unknown | Self-hosted personal finance manager with double-entry bookkeeping, budgets, categories, tags, a rule engine, reports and a REST API. |
| [rotki](https://privacyratings.com/budgeting/rotki/) | C (65/100) | Germany (Fourteen Eyes) | 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. |
| [ezBookkeeping](https://privacyratings.com/budgeting/ezbookkeeping/) | D (50/100) | Unknown | 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. |
| [Money Manager Ex](https://privacyratings.com/budgeting/money-manager-ex/) | D (40/100) | Unknown | 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. |
| [HomeBank](https://privacyratings.com/budgeting/homebank/) | F (30/100) | Unknown | Open-source personal finance program for Windows and Linux for tracking accounts, budgets and spending, with charts, reports and bank file import. |
| [Monarch](https://privacyratings.com/budgeting/monarch/) | F (20/100) | United States (Five Eyes) | Subscription personal finance app that syncs bank and investment accounts to track spending, budgets, net worth and goals, with shared access for households. |
| [Quicken](https://privacyratings.com/budgeting/quicken/) | F (0/100) | United States (Five Eyes) | 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. |
| [YNAB](https://privacyratings.com/budgeting/ynab/) | F (0/100) | United States (Five Eyes) | Subscription budgeting app based on zero-based budgeting, where every unit of income is assigned a job, with optional bank account syncing. |

## Criteria

- **Open source** (weight 3): Is all the source code needed to run the product public?
- **No trackers or telemetry** (weight 3): Are the website and apps free of third-party trackers, with any analytics anonymous and any telemetry off by default?
- **No ads or data sales** (weight 2): Is the product funded without advertising, ad targeting or selling user data?
- **Independent audit** (weight 2): Has an independent security or privacy audit been published within the last three years?

Source: https://privacyratings.com/budgeting/