BudgetPilot

Spec sheet

Purpose

BudgetPilot is a local-first personal budgeting app for tracking budgets, net worth, savings goals, and cash-flow forecasts.Read 13 Oct 2026 · github.com

Security

The security policy describes hashed session tokens, bcrypt password hashing, optional TOTP/MFA, and encryption for banking credentials and MFA secrets.Read 12 Oct 2026 · github.com

Privacy

The maker says financial data stays on the user's machine by default, with no mandatory external calls; optional AI and bank connections require opt-in configuration.Read 12 Oct 2026 · github.com

Support

Security vulnerabilities can be reported privately through GitHub Security Advisories, and the maintainer says there is no formal response-time SLA.Read 13 Oct 2026 · github.com

Account sync

bothRead 22 Sep 2026 · github.com

Authentication

Optional two-factor authentication uses an authenticator app and one-time recovery codes.Read 13 Oct 2026 · github.com

Bank connection

Optional PSD2 bank syncing uses Enable Banking, is off by default, and requires HTTPS and explicit host allowlisting.Read 12 Oct 2026 · github.com

Bank integrations

Optional PSD2 bank sync uses Enable Banking and is off by default; the maker says setup requires HTTPS and provider configuration.Read 13 Oct 2026 · github.com

Bill tracking

YesRead 22 Sep 2026 · github.com

Budgeting

Budgets can be set monthly by category and flagged when spending approaches the limit.Read 13 Oct 2026 · github.com

Budgeting tools

YesRead 22 Sep 2026 · github.com

Data privacy

The project says financial data stays on your machine by default, with no mandatory external calls.Read 13 Oct 2026 · github.com

Features

The app includes net-worth tracking, savings-goal pace tracking, deterministic cash-flow forecasts, categorization rules, split transactions, tags, and backup and restore.Read 12 Oct 2026 · github.com

Forecasting

Cash-flow forecasting projects upcoming balances from recurring income and expenses detected in transaction history, without machine learning.Read 13 Oct 2026 · github.com

Import support

The app recognises Banque Populaire, Revolut, and its own CSV export; other CSV files can be mapped by column name.Read 13 Oct 2026 · github.com

Installation

The maker documents Docker installation, running from source, and a no-Docker setup for working on the code.Read 13 Oct 2026 · github.com

Known limitation

BudgetPilot works in euros, and statement lines in other currencies are refused.Read 13 Oct 2026 · github.com

Languages

The app supports French and English.Read 12 Oct 2026 · github.com

Limitations

BudgetPilot works in euros; statement lines in other currencies are refused, while other-currency amounts from bank sync are included in euro totals.Read 12 Oct 2026 · github.com

Local AI

Optional local AI advice uses Ollama, and by default sends only anonymized aggregates to the model.Read 13 Oct 2026 · github.com

Maintainer

The maker describes the project as a solo-maintained open-source project and says they built it to manage their own finances and experiment with AI-assisted coding.Read 12 Oct 2026 · github.com

Net-worth tracking

YesRead 22 Sep 2026 · github.com

Report export

YesRead 22 Sep 2026 · github.com

Security review

The maker states that no independent third party has audited the project and describes its security verification as maintainer-performed.Read 13 Oct 2026 · github.com

Supported databases

SQLite is the default database, with PostgreSQL and MySQL/MariaDB available as options.Read 13 Oct 2026 · github.com

Transaction entry

Transactions can be entered manually or imported from CSV and Excel files, with duplicate detection.Read 12 Oct 2026 · github.com

Transactions

Users can enter transactions manually or import CSV and XLSX statements with duplicate detection.Read 13 Oct 2026 · github.com

Plans and prices

Every BudgetPilot plan and price →

Where Specifiction places it

• Personal Finance Software#9 of 1818.9