Personal Finance That Stays Personal
Budgeting, smart categorization, subscription tracking, and bank sync — all running locally on your machine. No cloud account, no tracking, no subscription. Free and open source.
See Where Your Money Goes
A modern, native desktop experience for taking control of your personal finances — without handing your data to anyone.
Budgets That Fit How You Live
Build budgets around weekly, bi-weekly, monthly, quarterly, or yearly periods. Start from a proven template or design your own from scratch.
- Templates: 50/30/20, Zero-Based, Minimalist, and Family Budget
- Visual progress bars with over-budget warnings
- Optional rollover of unused budget to the next period
- Live preview as you build
Transactions, Intelligently Sorted
An auto-categorization engine recognizes hundreds of real-world merchants and files transactions for you. Refine with your own text or regex rules that the app remembers.
- 35+ built-in categories, plus unlimited custom ones
- Split a single transaction across multiple categories
- Four-state workflow: Pending, Cleared, Reconciled, Void
- Full-text search and powerful filtering
Never Miss a Bill
A full calendar view shows your upcoming bills and expected deposits at a glance, with native desktop reminders so nothing slips through the cracks.
- Month and list calendar views
- Daily summaries of bills and deposits
- 30-day upcoming-bills sidebar
- Native OS notifications with adaptive reminders
Understand the Bigger Picture
Rich reports and charts turn your transaction history into real insight — net worth over time, cash flow, spending by category, and your savings rate.
- Net worth tracking with history charts
- Cash flow and income vs. expense analysis
- Savings rate analytics with a 20% target indicator
- Export any report to PDF or CSV
A Complete Personal Finance Toolkit
Free and open source under the MIT license. Every feature, no upsells, no premium tier.
Accounts & Net Worth
Seven account types with always-accurate balances and correct liability handling.
Multi-Currency
Track accounts across 12 supported currencies.
Smart Categorization
Auto-recognizes hundreds of merchants with priority-based text and regex rules.
Split Transactions
Divide a single transaction across multiple categories.
Recurring Detection
Automatically finds recurring charges in your history with a confidence score.
Subscription Tracking
Cancellation tracking that calculates your estimated yearly savings.
Savings Goals
Five goal types with progress tracking and a monthly-needed calculator.
Bill Calendar
Month and list views with upcoming bills and expected deposits.
Reports & Analytics
Net worth, cash flow, spending, trends, and savings rate, exportable to PDF/CSV.
5-Format Import
CSV, Excel, OFX, QFX, and QIF with smart duplicate detection.
Bank Sync (SimpleFIN)
Optional privacy-focused sync — your bank credentials never touch the app.
Statement Reconciliation
Match your records against bank statements with a clear workflow.
Local-First & Encrypted
On-device SQLite with optional AES-256-GCM encryption and Argon2id.
Backup & Restore
Full JSON backup with version checking and safe, duplicate-aware restore.
Payee Analytics
See spending patterns by merchant over time.
Light & Dark Themes
Light, dark, and system themes with configurable formats.
100% Local-First
Your financial data lives in an on-device SQLite database. No cloud account, no telemetry, no tracking — your data never leaves your machine unless you choose to move it.
Free & Open Source
Released under the MIT license. Read the code, build it yourself, or contribute. No premium tier, no paywalled features — every capability is included for everyone.
Bank-Grade Encryption
Optional AES-256-GCM encryption with Argon2id key derivation (64 MB / 3 iterations) protects your data at rest against brute-force attacks.
Get indiBudget Free
Native Linux desktop application. Choose your preferred format, or install from our package repository for automatic updates.
Prefer automatic updates? Install from our repository:
Need help getting started? Read the documentation or browse the source on GitHub.
Your Money. Your Machine. Your Rules.
Take control of your finances without giving up your privacy.