Pledger.io

Spec sheet

Purpose

Pledger.io is open-source, self-hosted personal finance software for tracking accounts and transactions, categorizing spending, and setting budgets.Read 13 Oct 2026 · pledger.io

Product

Pledger.io is self-hosted, open-source personal finance software for tracking accounts and transactions, categorizing spending, and setting budgets.Read 12 Oct 2026 · pledger.io

Intended users

The product introduction says Pledger.io is for anyone who wants to manage their money and describes support for multiple users with separate accounts and transactions.Read 12 Oct 2026 · pledger.io

Deployment

The application can be deployed with Docker, Docker Compose, Kubernetes, or Windows.Read 13 Oct 2026 · pledger.io

API

Pledger.io provides a REST API whose authentication uses bearer JWT unless an operation is marked public.Read 13 Oct 2026 · pledger.io

Mobile apps

androidRead 22 Sep 2026 · pledger.io

Security

The maker says Pledger.io does not hand financial data to a cloud service and that users retain control by self-hosting.Read 13 Oct 2026 · pledger.io

Account sync

manualRead 22 Sep 2026 · pledger.io

Account types

The site describes managing checking, savings, and liability accounts in a net-worth overview.Read 12 Oct 2026 · pledger.io

Accounts

It supports checking, savings, and liability accounts in a net-worth overview.Read 13 Oct 2026 · pledger.io

AI options

The preview AI feature supports Ollama hosted locally or OpenAI; using OpenAI sends budgets, categories, tags, and the edited transaction information to OpenAI.Read 12 Oct 2026 · pledger.io

Android app

The Android app connects to a Pledger.io server and is distributed as an APK.Read 13 Oct 2026 · pledger.io

Android limits

The Android app currently accepts username and password only; sign-in for accounts requiring two-factor authentication or servers using OpenID Connect is unsupported.Read 13 Oct 2026 · pledger.io

Android requirements

The release app requires Android 8.0 or newer and an HTTPS server address.Read 13 Oct 2026 · pledger.io

Android sign-in limit

The Android app currently supports username-and-password sign-in but not accounts requiring two-factor authentication or OpenID Connect.Read 12 Oct 2026 · pledger.io

Authentication

The REST API documentation says authentication uses bearer JWT unless an operation is marked public.Read 12 Oct 2026 · pledger.io

Automation

Users can schedule bills and apply categorization rules.Read 13 Oct 2026 · pledger.io

Bill tracking

YesRead 22 Sep 2026 · pledger.io

Budgeting tools

YesRead 22 Sep 2026 · pledger.io

Budgets

Users can set monthly budgets and compare expected spending with actual spending.Read 13 Oct 2026 · pledger.io

CSV import

The product introduction lists bank-statement CSV importing with advanced mapping features.Read 12 Oct 2026 · pledger.io

Data control

The maker says users can run Pledger.io on their own server, keeping financial data on infrastructure they control.Read 13 Oct 2026 · pledger.io

Databases

The installation documentation names MySQL/MariaDB for most production setups and H2 for local or single-user scenarios.Read 13 Oct 2026 · pledger.io

Mobile app

An Android app is available as an APK and requires Android 8.0 or newer and an HTTPS server address for release builds.Read 12 Oct 2026 · pledger.io

Net-worth tracking

YesRead 22 Sep 2026 · pledger.io

Report export

YesRead 22 Sep 2026 · pledger.io

Storage

The installation guide describes MySQL/MariaDB for most production setups and H2 for local or single-user scenarios.Read 12 Oct 2026 · pledger.io

Support and documentation

The maker provides getting-started tutorials, task-focused how-to guides, concepts documentation, and architecture documentation.Read 13 Oct 2026 · pledger.io

Transactions

It records income and expenses, imports bank data, and keeps account transaction histories.Read 13 Oct 2026 · pledger.io

Where Specifiction places it

• Personal Finance Software#118 of 1817.7
• Budgeting And Expense Tracking#19 of 297.6