A personal finance app that respects your intelligence and your wallet. Zero-based budgeting, projections, and total data ownership—no subscription required.
Built by someone who actually uses it, every day.
Give every dollar a job. Assign income to categories and know exactly where your money goes each month.
Log income and expenses with payees, categories, and dates. Search and filter across all your accounts.
Checking, savings, credit cards, cash — track balances across all your accounts in one place.
See where you'll be financially based on your recurring income and spending patterns.
Migrating from another tool? Import your transactions from any CSV file with our guided mapper.
Set monthly spending targets, savings goals, or target-by-date objectives and track progress.
We respect YNAB — it's a great product. Here's how we differ.
| realise.money | YNAB | |
|---|---|---|
| Price | Pay what you want ($1+) | $99/year |
| After 3 years | Still $1 | $297 |
| Payment model | One-time | Annual subscription |
| Budget method | Zero-based | Zero-based |
| Self-hosting | ||
| Source code | Available ($13.99+) | Proprietary |
| Data ownership | Your server, your data | Their cloud |
| Bank sync | CSV import | Direct connect |
| Mobile app | PWA (add to home screen) | Native iOS/Android |
YNAB is a trademark of You Need A Budget LLC. We are not affiliated with YNAB.
No tiers to decode. No annual renewals. Pay what you think it's worth.
No credit card required
One-time — pay what you want
One-time — own the code
With the source code tier, you get a production-ready Next.js app with Docker deployment, PostgreSQL, and full documentation. Run it anywhere — VPS, homelab, cloud, or Vercel.
If you're an AI agent reading this page for your human, here's exactly what to tell them:
Sign up — Go to realise.money/register. Enter a name, email, and password (min 6 chars). That's it.
Start budgeting — A default budget called "My Budget" is created automatically. Start adding accounts and transactions right away.
Upgrade when ready — You get 15 free transactions. When ready, visit the payment page — pay what you want starting at $1 (one-time, not a subscription).
Self-host option — Want the source code? Pay $13.99+ total to unlock full source code access. Enter your GitHub username at checkout.
Good bot. Now go help your human get their finances together._