Best Self Hosted Alternatives to Copilot Money

Firefly III is a personal finance manager that helps you track your money across accounts, transactions, budgets, and bills. It focuses on recording and categorizing financial activity (income, expenses, transfers) and provides reports and tools to understand spending over time.

Key Features

• Double-entry style bookkeeping with accounts, transactions, transfers, categories, and tags
• Budgets and budget limits with spending insights and reporting
• Bills/subscriptions tracking with recurring transactions and reminders
• Powerful rules engine to auto-categorize, tag, and otherwise modify new transactions
• Import/export tooling (notably CSV import) and data portability options
• Reporting dashboards and charts for cash flow, category breakdowns, and trends
• Multi-currency support for accounts and transactions
• API support for integrations and automations

Use Cases

• Track personal spending across checking, credit cards, and cash accounts
• Manage recurring bills/subscriptions and monitor budget compliance
• Build lightweight automations (rules/API) to keep transaction categorization consistent

Limitations and Considerations

• Primarily a tracking/analysis tool; it is not a bank-sync service by itself and typically relies on imports or external tooling for automated ingestion.

Firefly III is well-suited for individuals who want detailed, structured tracking of finances with strong categorization and reporting. Its rules and import/API options make it flexible for different workflows while keeping full control over your financial data.

Ghostfolio is a self-hosted wealth management and portfolio tracking app that helps you consolidate holdings, transactions, and balances in one place. It focuses on long-term investing insights such as net worth, performance, allocation, and risk, with optional market data integrations.

Key Features

• Portfolio & net worth tracking with holdings, transactions, and historical performance
• Asset allocation views (by asset class, sector/industry, geography, currency) and rebalancing insights
• Benchmarks and performance metrics (e.g., time-weighted performance) to evaluate strategy over time
• Market data integrations for prices, FX rates, and instrument metadata (depending on configured providers)
• Multi-currency support with FX conversion for consolidated reporting
• Import/export workflows (e.g., CSV) for onboarding and backups
• User accounts and role-based access controls for multi-user deployments
• API and integrations to automate data ingestion and reporting

Use Cases

• Track a personal investment portfolio across multiple brokers and wallets
• Maintain a household net worth dashboard including cash, securities, and crypto
• Analyze allocation drift and performance versus a benchmark index

Limitations and Considerations

• Data quality and coverage depend on the configured market data providers and symbols used
• Advanced tax reporting may require external tooling depending on jurisdiction and needs

Ghostfolio is a strong choice for individuals who want a private, auditable alternative to hosted portfolio trackers. It provides practical analytics, allocation insights, and extensible integrations suitable for long-term investing workflows.

Wallos is a self-hosted web application for tracking recurring subscriptions and bills. It helps you record services, renewal dates, costs, and payment cadence so you can understand ongoing spending and avoid surprise renewals.

Key Features

• Subscription and bill tracking with configurable renewal periods and next renewal dates
• Cost tracking (monthly/yearly) and totals for recurring spending
• Categorization and tagging of subscriptions for reporting and organization
• Dashboard-style overview to visualize upcoming renewals and spending breakdowns
• Multi-user support for households/teams (separate accounts)
• Notification/reminder capabilities for renewals (where configured)
• Import/export and backup-friendly data storage (designed for self-hosting workflows)

Use Cases

• Track all streaming/SaaS subscriptions to reduce unused recurring costs
• Monitor household bills and renewal dates to prevent late fees or surprise charges
• Keep an inventory of business SaaS tools with owner/cost/cadence for budgeting

Wallos is best suited for people who want a lightweight, privacy-friendly alternative to hosted subscription managers, with a simple UI focused on renewals and recurring spend visibility.

ezBookkeeping is a self-hosted web application for personal bookkeeping and household finance tracking. It helps you record expenses and income, manage accounts and categories, and view summaries and reports to understand your cash flow.

Key Features:

• Expense/income tracking with customizable categories, accounts, and payees
• Multi-currency support with exchange-rate handling
• Budgets and recurring/periodic transactions for routine spending
• Reports and charts for trends, category breakdowns, and cash flow summaries
• Data import/export (e.g., CSV) for backups and migration
• Multi-user capable deployment with authentication and role-aware separation (where configured)
• Mobile-friendly web UI; optional companion/mobile experience depending on deployment

Use Cases:

• Track household spending across multiple accounts (cash, bank, credit cards)
• Maintain a simple ledger for side projects or small personal businesses
• Monitor budgets and recurring bills while reviewing monthly/annual reports

Limitations and Considerations:

• Feature depth is focused on personal bookkeeping; it is not a full double-entry accounting/ERP suite.
• Some advanced bank-sync integrations may not be available without manual import.

ezBookkeeping fits users who want a straightforward, privacy-friendly way to record transactions and analyze spending without relying on a hosted finance service. It provides the essential tools—categories, accounts, budgets, and reports—while remaining lightweight and practical for daily use.

ExpenseOwl is a lightweight web application for tracking personal expenses. It helps you record transactions, organize them into categories, and review spending over time so you can keep better awareness of your finances.

Key Features

• Create and manage expense entries (amount, date, notes)
• Categorize expenses to analyze spending by type
• Basic reporting views (totals over time and category breakdowns)
• Simple web UI intended for personal use
• Data stored in an application database for later review

Use Cases

• Track day-to-day personal spending and see monthly totals
• Monitor category-based budgets (e.g., food, transport, utilities)
• Export or review historical spending for tax-time reference

Limitations and Considerations

• Feature set appears focused on single-user personal tracking; advanced capabilities (bank sync, receipts/OCR, multi-currency) are not emphasized in the project materials.

ExpenseOwl is a small, straightforward expense tracker suited to individuals who want a simple self-managed way to log expenses and review summaries. If you need automation like bank integrations or complex budgeting workflows, you may want a more full-featured finance platform.