Firefly III
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Firefly III is a self-hosted personal finance manager launched in 2016, written in PHP and available free to run on your own server. It handles multi-currency transactions, recurring bills, attachments, and detailed categorization with no cloud dependency or third-party data sharing.
This fits users who prioritize data control and privacy or who want to avoid subscription fees by hosting on existing infrastructure. It requires some technical comfort with server setup but rewards that effort with complete transparency and the ability to retain and back up all your financial data.