Firefly III

Firefly III is self-hosted software you run on your own server or computer, meaning your financial data never leaves your control and you don't depend on a company's servers staying online. The application provides sophisticated bookkeeping with double-entry accounting, which means every transaction is recorded twice to keep your books perfectly balanced. Advanced reporting and analytics let you dig into spending patterns, investment performance, and net worth trends over time.

For technically inclined retirees, or those with adult children who can help with setup and maintenance, Firefly III offers maximum privacy and customization at no cost. You'll need some comfort with installing software and doing basic upkeep, but the payoff is a finance system that's entirely yours. The self-hosted approach makes sense for anyone who's concerned about corporate data handling practices or simply wants complete autonomy over their financial information.