Firefly III

Firefly III is a self-hosted personal finance platform that gives you complete independence over your money data by running on your own server. It handles budgets, categories, bills, savings goals, and detailed expense tracking with a level of customization you won't find in consumer apps. The project has been actively developed since 2016 and attracts users who want power and flexibility over convenience.

This works best for technically inclined people who either run their own server or are comfortable setting one up, or those willing to use a managed hosting option. If you want comprehensive financial management without relying on external services and can handle a slightly steeper learning curve, Firefly III delivers professional-grade personal finance tools without any subscription costs.