Securo
A self-hosted personal finance manager with real bank sync, built for people who want the convenience of an app like Mint without handing their data to a company.
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Description
Bank-syncing finance apps are convenient but usually mean a company you've never met holds a live feed of your transactions, forever, as part of its business model. Securo tries to have it both ways: real bank sync through established providers, but run on a server you own, so the data stops with you.
Securo is an open-source, self-hosted personal finance manager covering multi-account tracking with running balances, transaction search and CSV export, file import (OFX, QIF, CAMT, CSV), automatic categorization rules, recurring transactions, budgets, savings goals, and asset/net-worth tracking. Bank sync is handled through Pluggy, Enable Banking, or SimpleFIN, with multi-currency automatic FX conversion for international accounts. It supports multiple users with admin controls, two-factor authentication, and OIDC login, and optionally offers self-hosted AI agents for LLM-based chat over your financial data. It's licensed under AGPL-3.0, meaning any hosted/network use of a modified version must also be open-sourced.
💬 Our review
The short version: Securo is the most feature-complete self-hosted personal finance tool in this batch — real bank sync, multi-currency, asset tracking, and even optional local AI chat — for people who want Mint-level convenience with none of the data-sharing.
The bank sync via Pluggy/Enable Banking/SimpleFIN is the real differentiator: most self-hosted finance tools rely purely on manual CSV import, which is a real friction point for daily use. Combined with multi-currency FX and asset tracking, it covers more ground than narrower tools like Wallos or BudgetBee.
The honest gaps: bank-sync providers vary in bank coverage by country, so results depend on where you bank, and running your own AI agent adds setup complexity most users won't need. The AGPL-3.0 license also means anyone hosting a modified public version must open-source their changes — a non-issue for personal use, relevant if you'd resell it as a service. For anyone wanting real bank sync with full data ownership, it's the strongest option here; for pure manual budgeting with no bank connection at all, Firefly III remains simpler.
💰 Pricing
📊 Global score
🤖 AI-enriched data
Entièrement gratuit et open-source (AGPL-3.0) ; nécessite votre propre hébergement.
Pros
Vraie synchronisation bancaire (Pluggy, Enable Banking, SimpleFIN)
Multi-devises avec conversion FX automatique
Suivi d'actifs et de patrimoine net inclus
Agents IA locaux optionnels pour discuter de ses finances
Cons
Couverture bancaire des fournisseurs de sync variable selon le pays
Fonctionnalités IA auto-hébergées ajoutent de la complexité de setup
Licence AGPL-3.0 contraignante si redistribué en service hébergé modifié