Securo — a self-hosted personal finance manager: accounts, transactions, budgets, goals, net-worth reporting, and optional bank sync, all running on your own hardware in Docker.
Alternative to: YNAB $109/yr ($14.99/mo); Monarch Money Core $99.99/yr, Plus $199.99/yr; Copilot Money $95/yr ($13/mo); Tiller $99/yr; Quicken Simplifi $3.99/mo billed annually for year one, renewing at $6.99/mo.
Cost to run: the software is free. Bank sync is not. In the US, SimpleFIN at $1.50/mo or $15/yr. In Brazil, Pluggy publishes no free individual tier and starts "from R$500." In Europe, Enable Banking publishes no price at all. Plus your own hosting.
Licence: AGPL-3.0. Free for commercial use, but network use triggers the source-sharing obligation.
Runs on: anything with Docker or Podman — Linux, macOS, Windows.
Requires: Docker. A bank-sync provider account if you want automatic imports.
Traction: 2,728 stars · 347 forks · 391 commits · 60 committers in the last year.
Liveness: very live — 103 commits in 30 days, v0.14.5 tagged 2026-08-27.
Maturity: v0.14.5, pre-1.0. Git tags exist but no GitHub Releases have been published — distribution is the container image.
Links: repo · usesecuro.com · live demo · Discord
Figures as of 2026-08-31.
What it does
It tracks money you already have records of. Multiple accounts with running balances, transactions with search and filters and CSV export, file import from OFX, QIF, CAMT and CSV, a rules engine that auto-categorises, recurring transactions, budgets, savings goals, and asset tracking with valuation. Reports cover net worth and income versus expenses.
It is multi-currency with automatic FX conversion, multi-user with an admin panel, and supports TOTP two-factor and OIDC login through providers like Authentik.
Optional bank sync pulls transactions automatically through one of three aggregators: SimpleFIN for the US and some international banks, Pluggy for Brazilian banks, and Enable Banking for roughly 2,500 European PSD2 banks. There is also an optional self-hosted LLM chat feature with tool access over your own data.
Install is one command against Docker, then localhost:3000.
What it replaces, and what that costs
The paid category is crowded and the prices are real. Verified from each vendor's own pricing page:
YNAB — $109/yr, or $14.99/mo. 34-day free trial, no card. Free for a year for students with proof of enrolment. No intro-versus-renewal gap; the headline price is the renewal price.
Monarch Money — $99.99/yr Core, or $14.99/mo. Plus is $199.99/yr, annual only. Household members are included at no per-seat charge. There is a 30%-off-first-year code, so year two costs more than year one.
Copilot Money — $95/yr, or $13/mo. No intro gap.
Tiller — $99/yr, 30-day trial. No monthly option published.
Quicken Simplifi — $3.99/mo billed annually for the first year, then $6.99/mo. That is a 75% renewal increase, disclosed in Quicken's own offer text.
One arithmetic warning, because it matters for anyone checking this: do not multiply Quicken's monthly figure by twelve. Quicken explicitly disclaims that operation — "The final price may differ from the monthly discounted price multiplied by 12 months" — and its real annual totals sit behind an account-gated cart. This entry does not print a Quicken annual figure, because Quicken does not publish one.
Empower is free and belongs in a different bucket. Its dashboard costs nothing; it monetises by upselling advisory at 0.89% of assets under management on the first $1M, with a $100,000 minimum. Free to use, not free of interest.
Now the part most write-ups skip. Securo's licence is free. Running it is not.
If you want your transactions to arrive automatically rather than importing OFX files by hand, you need an aggregator, and the honest US number is SimpleFIN at $15/yr. That is the whole cost-to-run story for a US self-hoster, plus whatever the box costs. Against YNAB's $109/yr, the delta is $94/yr — a real number, but not $109, and anyone who tells you the free tool is free is skipping the line item.
Outside the US it gets worse, not better. Pluggy has no published permanent free individual tier — a two-week trial, then "from R$500," with the billing period not stated on the page. Enable Banking publishes no price whatsoever: pricing is "volume based," quoted through sales, with a monthly invoicing minimum. A third-party tracker describes a free "Restricted Production" tier that would cover exactly the self-hoster case, but Enable Banking's own site never names or confirms it, so this entry does not claim it.
And the reason all three of these exist is instructive: Plaid will not quote a price without a sales process. Its own billing documentation says "A price list is not available in the documentation. To view pricing, apply for Production access." Securo does not support Plaid.
Is it still alive?
Very. 103 commits in the last 30 days, 228 in 90, across 60 committers in the past year. v0.14.5 was tagged 2026-08-27, four days before this was written. CI runs, coverage is published, there is a Helm chart and an Artifact Hub listing.
The issue tracker is answering real users about real banks — open issues from 19 and 20 August cover mBank credit cards displaying available credit as used credit, high-precision decimal handling for crypto quantities, currency-conversion precision, Vietnamese Dong support, and a request for Mobills migration. That is the issue mix of a project people have actually pointed at their own money.
Two honest flags. Distribution is container-only in practice: git tags exist through v0.14.5, but no GitHub Releases have been published, so there is no release page, no changelog artifact and no downloadable installer to verify. What you install is the image. And this is pre-1.0 software holding your financial records — a combination that deserves a backup routine regardless of how healthy the commit graph looks.
GitHub's signed-out view shows an "Issue creation is restricted" banner on this repo. It is false — outside accounts are filing issues weekly. Disregard it.
What people say
Very little, publicly, and that is itself the finding. Securo has no Hacker News thread — a search of the HN index returns nothing for the project. It has no Trendshift placement. Reddit is blocked from the research sandbox used for this column, so no Reddit vote counts are claimed here.
What exists instead is a Discord and an issue tracker, and both are busy. The community for this project is a support channel, not a discussion forum, which is what you would expect for software whose users are quietly reconciling their own bank statements rather than arguing about architecture.
The absence is worth stating plainly rather than padding around: at 2,728 stars this is the smallest project in this batch by a wide margin, and it has not had its moment of public attention yet.
The catch
The free alternative to the paid tools may already be a different free tool. Actual Budget is MIT-licensed, actively maintained, has 27,200 stars, and syncs through the same SimpleFIN at the same $15/yr. Firefly III is AGPLv3 and shipped v6.6.6 on 2026-07-01. A reader shopping for "not YNAB" has more than one free answer, and Securo has to win on features rather than on being the only option.
Avoid Maybe Finance, which still surfaces in search results with 54,300 stars. It was archived by its owner on 2025-07-27 and its README says it is no longer actively maintained. The live successor is Sure, a community fork, AGPLv3.
AGPL-3.0 is the strictest licence in this batch. Personal use is unaffected. But if you run a modified Securo as a network service for anyone else, the licence obliges you to release your modifications.
Bank sync coverage is uneven by geography. Excellent in Brazil and Europe if you can pay for it, workable in the US for $15/yr, and manual OFX import everywhere else.
It is version 0.14.5. The demo is public and works, the CI is green, and the maintainer publishes a calendar link — but this is early software, and the data it holds is the kind you cannot casually reconstruct.
Credits
Maintained by Tássio Noronha, who wrote 213 of the last year's commits. Contributions from Danny Feliz (15), Geovane Pereira (13), Romulo Gatto (11), Leonardo Dias (11) and 55 other committers.
Bug reports quoted or referenced from METZGERRR, lethanhviet, uneaser, szddawe and felipe-cordeiro-cpb.
Prices verified against ynab.com/pricing, monarch.com/pricing, copilot.money, tiller.com/pricing, quicken.com/compare, empower.com and its published fee schedule, beta-bridge.simplefin.org, pluggy.ai/en/pricing, enablebanking.com/docs/faq and plaid.com/docs/account/billing. Competitor licence and status checks against the actualbudget, firefly-iii, maybe-finance and we-promise/sure repositories. Repository figures from a blobless clone and ungh.cc, both read 2026-08-31.