Havoro

Spec sheet

Product

Havoro is a personal finance tracker that runs on your own hardware.Read 12 Oct 2026 · havoro.app

Free plan

YesRead 22 Sep 2026 · havoro.app

Security

The security document says the self-hosted app uses bcrypt password hashing, JWT authentication in httpOnly cookies, and admin/member roles.Read 12 Oct 2026 · github.com

Support

Support is community-based through GitHub issues, with no dedicated support service.Read 12 Oct 2026 · havoro.app

Account sync

manualRead 22 Sep 2026 · havoro.app

Backups

The app supports manual backup and restore, and automatically keeps the last 30 days of backups.Read 12 Oct 2026 · havoro.app

Bank data

Transactions are imported from bank exports, with no bank login or bank connection required.Read 12 Oct 2026 · havoro.app

Bill tracking

YesRead 22 Sep 2026 · havoro.app

Budgeting

Users can set monthly category budgets and track actual spending against them.Read 12 Oct 2026 · havoro.app

Budgeting tools

YesRead 22 Sep 2026 · havoro.app

Goals

Goals and sinking funds track savings targets and irregular expenses, including required monthly contributions.Read 12 Oct 2026 · havoro.app

Mobile

A native iPhone app is described as in development; the site says it will sync directly with the desktop app over a home network.Read 12 Oct 2026 · havoro.app

Net worth

Havoro tracks assets and liabilities, including cash, super, property, shares and loans.Read 12 Oct 2026 · havoro.app

Net-worth tracking

YesRead 22 Sep 2026 · havoro.app

Self-hosting

Havoro also provides a Docker image for users who want to self-host or build on it.Read 12 Oct 2026 · havoro.app

Storage and privacy

The privacy policy says financial data stays on the user's hardware and Havoro runs no servers that see it, analytics or telemetry.Read 12 Oct 2026 · havoro.app

Supported imports

The site lists CSV exports from ANZ, NAB, Westpac, CommBank and American Express.Read 12 Oct 2026 · havoro.app

Transfer planner

The transfer planner groups suggested monthly transfers by destination account.Read 12 Oct 2026 · havoro.app

Plans and prices

Every Havoro plan and price →

Where Specifiction places it

• Budgeting And Expense Tracking#8 of 298.3
• Personal Finance Software#79 of 1818.1