A self-hosted budgeting app that connects to your real banks via Plaid, draws your net worth from daily snapshots, and never sends your transactions to anyone but you.
What it does
Connect Chase, Vanguard, your credit cards, mortgage. Daily balance snapshots draw the chart. Plaid does the bank connection; the snapshots are yours.
Checking, savings, credit cards, brokerage, 401k, IRA, HSA, mortgage, student loans. Grouped by institution, balanced separately as assets vs debts.
Walks Plaid's transaction history backward to reconstruct your daily balances. The chart starts with your real financial life — not a single point at $0.
Define your own categories, sort transactions into them, see where your money actually went. No envelopes, no judgment — just the truth.
Coming soonSuggests categories for new merchants using Apple's Foundation Models, running locally on your phone. Your transaction descriptions never touch a third-party model.
Coming soonDetects recurring charges (Patreon, streaming services, that gym you stopped going to) and surfaces them. With one-tap "how do I cancel" links.
Coming soonPrivacy by architecture
Your bank balances and transactions go: Plaid → your server → your phone. There is no Mint-style middleman keeping a copy.
Every Plaid access token in the database is sealed with AES-256-GCM using a key only your server has.
The app makes API calls to your server. That's it. Nothing else leaves your phone, nothing pings a SaaS.
Categorization suggestions use Apple's on-device Foundation Models. Your transaction descriptions never touch OpenAI, Anthropic, or anyone else.
Plaid is the one external service. It connects to your banks on your behalf — there's no other practical way to do programmatic balance access in the US. See the privacy policy for what Plaid receives and stores.
Run it yourself
mo:no budget is a personal project. The full stack is open: a Go service you deploy on whatever Linux box you trust, a SwiftUI iOS app you build in Xcode, and a Plaid Production key you bring yourself.
# on your Linux box git clone https://github.com/kaymoverse/mono-budget.git cd mono-budget cp .env.example .env # fill in Plaid keys docker compose up -d
People who want a budgeting app and aren't comfortable handing a SaaS company a token to all their bank accounts forever. Comfortable with a Linux box, SSH, and reading .env files.
Your bank credentials at link time, then your account balances and transactions whenever your server pulls them. Plaid stores these to provide the service. Standard for any Plaid-connected app. Details in the privacy policy.
No. The whole point is that the data lives on hardware you own. If hosting it sounds annoying, this app is not for you, and that's fine.
The app is free. Plaid Production charges per connected institution per month — typically a few dollars in total for a personal-scale setup. You'd see this on your Plaid dashboard, not from us.