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Tech riderRev. 12 Oct 2026

Trout

Ch 308.1of 181Personal Finance Software
  1. 1Runs onAPI, self-hosted, Web
  2. 2CostsFree plan · free trial · paid from €4.92/mo
  3. 3Budgeting toolsYes
  4. 4Net-worth trackingYes
  5. 5Account syncboth
  6. 6Report exportYes
6 lines stated Written from the maker's own pages: trout.money
Visit site Alternatives
The Trout homepage

Overview

Trout is ranked #30 of 181 in personal finance software on Specifiction, made by Trout (Copenhagen, Denmark). It runs on API, Self-hosted, Web. There is a free plan. A free trial is offered. Paid plans start at €4.92/mo.

Trout plans and pricing

All plans
Free Free No card required Envelope budgeting · Accounts, goals, and schedules · Rules, crypto tracking, and multi-currency budgeting trout.money · 22 Sept 2026
Hosted Monthly €7/mo billed monthly Bank sync through supported providers · AI categorisation and chat · API access when it launches trout.money · 22 Sept 2026
Hosted Annual €59/yr Recommended · annual Bank sync through supported providers · AI categorisation and chat · API access when it launches trout.money · 22 Sept 2026
Manual budgeting Free Free Envelope budgeting · accounts, goals, and schedules · rules, crypto tracking, and multi-currency budgeting trout.money · 12 Oct 2026
Self-hosted Free €0 · software licence · AGPL-3.0 Free software · requires your own infrastructure and service keys trout.money · 12 Oct 2026
Hosted monthly €7/mo €7/ month Bank sync through supported providers · AI categorisation and chat · API access when it launches trout.money · 12 Oct 2026

Compared on personal finance software

Free plan
Yestrout.money
Budgeting tools
Yestrout.money
Net-worth tracking
Yestrout.money
Account sync
bothtrout.money
Report export
Yestrout.money

Facts

Purpose
Trout is an envelope-budgeting ledger for people who want to own their money and data.trout.money · 12 Oct 2026
Budgeting
Envelope budgeting includes categories, groups, rolling balances, and five goal types.trout.money · 12 Oct 2026
Bank sync
Supported European banks connect through Enable Banking, while supported US and Canadian banks connect through SimpleFIN.trout.money · 12 Oct 2026
Bank access limits
Bank sync is read-only, does not initiate payments, and available history varies by bank.trout.money · 12 Oct 2026
AI
The AI assistant can answer questions about budget data and move money between categories using text requests.trout.money · 12 Oct 2026
Investments
Investment positions are entered manually; brokerage syncing, trade ledger, automatic transfer tracking, and tax-lot accounting are unavailable.trout.money · 12 Oct 2026
Crypto
Crypto tracking uses CoinGecko prices with a five-minute refresh target and retains the latest cached quote if refresh fails.trout.money · 12 Oct 2026
Currencies
Trout supports 147 currencies and uses the latest available exchange rate, refreshed daily.trout.money · 12 Oct 2026
Automation
Rules can match payee, amount, or memo, using OR within a condition group and AND across groups.trout.money · 12 Oct 2026
Privacy
The hosted service says it does not sell data, show advertising, or use financial data to train machine-learning models.trout.money · 12 Oct 2026
Security
The privacy policy says passwords are hashed with scrypt, transport uses TLS, and provider secrets are encrypted at rest.trout.money · 12 Oct 2026
Self-hosting
Self-hosting uses AGPL-3.0 software and the maker's Docker guide requires a Linux host.trout.money · 12 Oct 2026
Support
The maker provides a GitHub bug-report link and lists an email address for privacy and data requests.trout.money · 12 Oct 2026
Availability
The terms say the beta service targets best-effort availability and makes no uptime guarantees.trout.money · 12 Oct 2026
Project age
The home page says Trout was established in 2025.trout.money · 12 Oct 2026

Company

Founded
2025trout.money · 28 Sept 2026

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Where it ranks on Specifiction

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Sources