🛠️ dev tools

Mint costs $25/mo.
These cost $0.

11 free alternatives to Mint, checked for license, recent activity and real adoption. Each one tells you the catch, so you can switch with your eyes open.

⚡ Quick Verdict · 2027 Guide

The top-rated free, open-source replacement for Mint is Maybe (Open Source Open Source). Across this category, 8 self-hostable tools are available (including Maybe and Actual). Switching a 5-person team saves up to $1,500/year compared to Mint's $25/mo subscription.

The catch: Requires self-hosting setup, updates, and server maintenance compared to managed Mint.

See the 11 picks ↓

Mint vs Free Alternatives

Quick side-by-side comparison · $0/mo vs $25/mo

Alternative	Type	License	Where It Runs	Stars	Head-to-Head
Maybe	open source	Open Source	Self-host	★ 54.2k	Mint vs Maybe →
Actual	open source	Open Source	Self-host	★ 30.1k	Mint vs Actual →
Midday	open source	Open Source	Local	★ 15.1k	Mint vs Midday →
Sure.am	open source	Open Source	Self-host	★ 10.8k	Mint vs Sure.am →
Wealthfolio	open source	AGPL-3.0	Self-host	★ 9.3k	Mint vs Wealthfolio →
Ghostfolio	open source	Open Source	Self-host	★ 9.7k	Mint vs Ghostfolio →
ezBookkeeping	open source	Open Source	Self-host	★ 6k	Mint vs ezBookkeeping →
Frappe Books	open source	AGPL-3.0	Local	★ 5k	Mint vs Frappe Books →
Financial Freedom	open source	Open Source	Self-host	★ 3k	Mint vs Financial Freedom →
Monetr	open source	Open Source	Local	★ 691	Mint vs Monetr →
YAFFA	open source	Open Source	Self-host	★ 113	Mint vs YAFFA →

The picks

11 open source · ranked by fit

01
Maybe
open sourceOpen SourceSelf-host
54.2knov 2026
Personal finance tracker that consolidates accounts, investments, and assets into a single net worth dashboard with goal tracking and projections.
The catch vs Mint
Requires self-hosting setup, updates, and server maintenance compared to managed Mint.
Install, platforms & data +
platforms
webself-hosteddocker to self-host
install
Clone https://github.com/maybe-finance/maybe or deploy with Docker Compose
setup
Deploy via Docker or binary release from GitHub and configure environment variables.
your data
All application data and configuration live on your own server or local database.
checked
2026-11-07
Visit maybefinance.com ↗Source Compare vs Mint →also replaces 1 other app →
02
Actual
open sourceOpen SourceSelf-host
30.1knov 2026
Privacy-focused personal finance app using envelope budgeting, multi-device sync, optional end-to-end encryption, and bank sync for US, EU, and UK users.
The catch vs Mint
Requires self-hosting setup, updates, and server maintenance compared to managed Mint.
Install, platforms & data +
platforms
webself-hosteddocker to self-host
install
Clone https://github.com/actualbudget/actual or deploy with Docker Compose
setup
Deploy via Docker or binary release from GitHub and configure environment variables.
your data
All application data and configuration live on your own server or local database.
checked
2026-11-07
Visit actualbudget.org ↗Source Compare vs Mint →also replaces 2 other apps →
03
Midday
open sourceOpen SourceLocal
15.1knov 2026
All-in-one tool for freelancers and small businesses to manage finances, track time, store files, and send invoices efficiently.
The catch vs Mint
Community-driven open source project without dedicated enterprise SLAs.
Install, platforms & data +
platforms
desktopcross-platformone-click install
install
Clone https://github.com/midday-ai/midday or deploy with Docker Compose
setup
Download the native package or installer for your operating system.
your data
All application data lives locally on your own machine.
checked
2026-11-07
Visit midday.ai ↗Source Compare vs Mint →also replaces 4 other apps →
04
Sure.am
open sourceOpen SourceSelf-host
10.8knov 2026
An all-in-one personal finance platform. Track, optimize, grow, and manage your money through every stage of life.
The catch vs Mint
Requires self-hosting setup, updates, and server maintenance compared to managed Mint.
Install, platforms & data +
platforms
webself-hosteddocker to self-host
install
Clone https://github.com/we-promise/sure or deploy with Docker Compose
setup
Deploy via Docker or binary release from GitHub and configure environment variables.
your data
All application data and configuration live on your own server or local database.
checked
2026-11-07
Visit sure.am ↗Source Compare vs Mint →also replaces 2 other apps →
05
Wealthfolio
open sourceAGPL-3.0Self-host
9.3knov 2026
Wealthfolio is a simple, secure desktop app for tracking investments and managing your wealth without compromising data privacy.
The catch vs Mint
Wealthfolio cannot match Copilot's turnkey US account and card aggregation, automatic categorization, transaction cleanup, and consistently polished mobile-first daily-money workflow without paid sync.
Install, platforms & data +
platforms
desktopmobilewebself-hostedone-click install
install
Native desktop or iOS app, or the official Docker image/Compose deployment for web mode
setup
Deploy via Docker or binary release from GitHub and configure environment variables.
your data
Desktop and self-hosted modes use a local SQLite database (the web server exposes a configurable app.db path); optional Wealthfolio Connect and encrypted device sync send selected holdings/account data through the vendor service.
checked
2026-11-07
Visit wealthfolio.app ↗Source Compare vs Mint →also replaces 7 other apps →
06
Ghostfolio
open sourceOpen SourceSelf-host
9.7knov 2026
Open-source wealth management software for tracking stocks, ETFs, and cryptocurrencies across multiple portfolios
The catch vs Mint
Requires self-hosting setup, updates, and server maintenance compared to managed Mint.
Install, platforms & data +
platforms
webself-hosteddocker to self-host
install
Clone https://github.com/ghostfolio/ghostfolio or deploy with Docker Compose
setup
Deploy via Docker or binary release from GitHub and configure environment variables.
your data
All application data and configuration live on your own server or local database.
checked
2026-11-07
Visit ghostfol.io ↗Source Compare vs Mint →
07
ezBookkeeping
open sourceOpen SourceSelf-host
6knov 2026
A privacy-first personal finance app with two-level accounts, multi-currency support, AI receipt recognition, and broad data import from formats like GnuCash and Firefly III.
The catch vs Mint
Requires self-hosting setup, updates, and server maintenance compared to managed Mint.
Install, platforms & data +
platforms
webself-hosteddocker to self-host
install
Clone https://github.com/mayswind/ezbookkeeping or deploy with Docker Compose
setup
Deploy via Docker or binary release from GitHub and configure environment variables.
your data
All application data and configuration live on your own server or local database.
checked
2026-11-07
Visit ezbookkeeping.mayswind.net ↗Source Compare vs Mint →also replaces 1 other app →
08
Frappe Books
open sourceAGPL-3.0Local
5knov 2026
A user-friendly desktop accounting software that helps businesses manage invoices, track expenses, and handle bookkeeping with a modern interface.
The catch vs Mint
The SQLite company file is local and collaboration-light, with no comparable managed bank feeds, payroll, tax filing, payments, or accountant network.
Install, platforms & data +
platforms
desktopone-click install
install
Native desktop installer; Homebrew and Flatpak paths are also published
setup
Download the native package or installer for your operating system.
your data
Each company is a local SQLite .db file selected by the user, with its ledger, invoices, bills, and related records in that file.
checked
2026-11-07
Visit frappe.io ↗Source Compare vs Mint →also replaces 6 other apps →
09
Financial Freedom
open sourceOpen SourceSelf-host
3knov 2026
Self-hosted alternative to Mint and YNAB for budgeting and building wealth while maintaining full control of your financial data.
The catch vs Mint
Requires self-hosting setup, updates, and server maintenance compared to managed Mint.
Install, platforms & data +
platforms
webself-hosteddocker to self-host
install
Clone https://github.com/serversideup/financial-freedom or deploy with Docker Compose
setup
Deploy via Docker or binary release from GitHub and configure environment variables.
your data
All application data and configuration live on your own server or local database.
checked
2026-11-07
Visit serversideup.net ↗Source Compare vs Mint →also replaces 1 other app →
10
Monetr
open sourceOpen SourceLocal
691nov 2026
Manage your money confidently with monetr, putting aside what you need and spending what you want
The catch vs Mint
Community-driven open source project without dedicated enterprise SLAs.
Install, platforms & data +
platforms
desktopcross-platformone-click install
install
Clone https://github.com/monetr/monetr or deploy with Docker Compose
setup
Download the native package or installer for your operating system.
your data
All application data lives locally on your own machine.
checked
2026-11-07
Visit monetr.app ↗Source Compare vs Mint →also replaces 4 other apps →
11
YAFFA
open sourceOpen SourceSelf-host
113nov 2026
YAFFA is a powerful, open-source budget app for managing expenses, budgets, and investments with secure self-hosting.
The catch vs Mint
Requires self-hosting setup, updates, and server maintenance compared to managed Mint.
Install, platforms & data +
platforms
webself-hosteddocker to self-host
install
Clone https://github.com/kantorge/yaffa or deploy with Docker Compose
setup
Deploy via Docker or binary release from GitHub and configure environment variables.
your data
All application data and configuration live on your own server or local database.
checked
2026-11-07
Visit yaffa.cc ↗Source Compare vs Mint →also replaces 3 other apps →

Mint Head-to-Head Comparisons (2027)

Side-by-side trade-off breakdowns · 11 free alternatives

Mint vs MaybeOpen Source · Self-host →

Mint vs ActualOpen Source · Self-host →

Mint vs MiddayOpen Source · Local →

Mint vs Sure.amOpen Source · Self-host →

Mint vs WealthfolioAGPL-3.0 · Self-host →

Mint vs GhostfolioOpen Source · Self-host →

Mint vs ezBookkeepingOpen Source · Self-host →

Mint vs Frappe BooksAGPL-3.0 · Local →

Mint vs Financial FreedomOpen Source · Self-host →

Mint vs MonetrOpen Source · Local →

Mint vs YAFFAOpen Source · Self-host →

Frequently Asked Questions

Direct answers · Mint open-source replacements

What is the best free alternative to Mint?+

The top free alternative to Mint is Maybe (open source, Open Source). Personal finance tracker that consolidates accounts, investments, and assets into a single net worth dashboard with goal tracking and projections. Other popular Mint replacements include Actual, Midday, Sure.am.

Can I self-host a free replacement for Mint?+

Yes. Of the 11 free alternatives to Mint, 8 can be self-hosted on your own server or local machine: Maybe (Open Source), Actual (Open Source), Sure.am (Open Source), Wealthfolio (AGPL-3.0), Ghostfolio (Open Source), ezBookkeeping (Open Source), Financial Freedom (Open Source), YAFFA (Open Source).

How much does switching from Mint to a free alternative save?+

Mint starts at $25/month per seat ($300/year). Switching a 5-person team to a free alternative like Maybe saves $1,500 per year in software subscription fees.

Should I vibe-code or build my own Mint clone from scratch?+

Our build verdict for Mint is NO (use a free alternative, save the tokens). Instead of paying recurring SaaS fees for Mint or rebuilding it from scratch, deploy one of the 11 battle-tested open-source alternatives like Maybe.

What is the catch when switching from Mint to Maybe?+

Requires self-hosting setup, updates, and server maintenance compared to managed Mint.