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A place to share alternatives to popular online services that can be self-hosted without giving up privacy or locking you into a service you don't control.

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Actual Budget is a fantastic FOSS budgeting tool that you can self-host (actualbudget.org)

submitted 3 days ago by [email protected] to c/[email protected]

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Not affiliated in any way with Actual Budget, but I can't recommend it enough. It's the FOSS version of YNAB pretty much so if you're a fan of envelope budgeting it's a great tool. I'd even say it has quite a few other strengths compared to YNAB (free bank syncing in the EU with more banks supported for example), and you can always be sure that your financial data stays within your reach.

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[–] [email protected] 3 points 3 days ago (2 children)

Because the actual export, transform and loading of multiple banks and accounts data is cumbersome its holding me back.

So curious to read about GoCardless.

But is that also for consumer?

And is it this: https://gocardless.com/pricing/

[–] [email protected] 4 points 3 days ago

Yes, it works a treat in the EU (due to PSD2, which mandates open banking) and U.K. (which is copy/pasting PSD2 to ensure their banks aren’t left behind).

I’m syncing with Handelsbanken UK, American Express, Lloyds, Monzo and Starling, all in the UK. Works a treat except most of the banks actually rate limit you to a couple of syncs per day.

[–] [email protected] 2 points 3 days ago

Yes. You can read about on Actual Budgets documentation. It's free for personal use. You just generate an API token. https://actualbudget.org/docs/advanced/bank-sync/gocardless/