Personal finance app features: everything MoneyMatter does
Browse the personal finance app features in MoneyMatter, an open-source tracker for your budget, accounts and investments. Try the cloud free for 40 days with no card, or host it yourself for free. Cloud plans start at $30 a year, and bank sync and the FIRE planner are on the Plus plan. Each page below shows how one feature works and what its limits are.
Track money
- Bank SyncGet transactions and balances automatically through LunchFlow, SimpleFIN or Akahu.
- Import TransactionsBring your history from CSV, OFX, QFX, YNAB, Wallet, Microsoft Money or PDF statements.
- Transaction ManagementSearch, filter, split and bulk edit transactions, and attach receipts to them.
- Categories & TagsYour own categories and subcategories, plus tags for trips or projects that cut across them.
- PayeesSee what you spend at each merchant, and merge messy bank names into one.
- Automation RulesSet the category, tags, payee or note automatically when a transaction matches your conditions.
- Subscription TrackerFind recurring payments in your history, see what they cost, and get reminded before each charge.
- Transfers & RefundsKeep transfers out of your spending, and tie each refund to the purchase it returns.
- Multi-CurrencyKeep accounts in different currencies and see one total, with each transaction converted at the rate of its own date.
Plan and analyze
- BudgetingPlan by category on your pay schedule, with rollover and goals.
- Savings GoalsSplit an account across goals and see your pace and finish date for each.
- Spending TrackersSee what a trip, a renovation or any project costs against your limit.
- Analytics & ReportsSpending trends, cash flow, money flow and pivot tables, with no spreadsheet to build.
- DashboardBalances, spending and net worth on one page, with the widgets you choose.
- Net Worth TrackerSee cash, investments, vehicles, venture deals and debts on one chart over time.
- Investment TrackingFollow stocks, ETFs and crypto with cost basis, gains and dividends.
- Loan TrackingSee when a mortgage or other loan ends and how much interest is still to pay.
- Vehicles & VenturesFollow what your car is worth and how your venture deals perform, both counted in your net worth.
- FIRE PlannerSee when you could retire early, based on what you actually spend and save.
AI, sharing and your data
- AI Assistants (MCP)Ask Claude or ChatGPT about your money through a built-in MCP server, and choose what they may change.
- AI CategorizationAI sorts transactions into your own categories, using the included AI or your own model.
- Family SharingShare one account, a tracker or all your accounts, and set each person's access.
- Self-HostingRun the whole app on your own server with Docker Compose, for free.
- Security & PrivacyNo ads or data sales, encrypted bank credentials, and control over your logins and sessions.
- Export & BackupTake your data out as CSV, Excel or JSON, or as a full backup you can restore.