Trout
trout.money
Spec sheet
- Purpose
- Trout is an envelope-budgeting ledger for people who want to own their money and data.Read 12 Oct 2026 · trout.money
- Free plan
- YesRead 22 Sep 2026 · trout.money
- Security
- The privacy policy says passwords are hashed with scrypt, transport uses TLS, and provider secrets are encrypted at rest.Read 12 Oct 2026 · trout.money
- Privacy
- The hosted service says it does not sell data, show advertising, or use financial data to train machine-learning models.Read 12 Oct 2026 · trout.money
- Support
- The maker provides a GitHub bug-report link and lists an email address for privacy and data requests.Read 12 Oct 2026 · trout.money
- Founded
- 2025Read 28 Sep 2026 · trout.money
- Account sync
- bothRead 22 Sep 2026 · trout.money
- AI
- The AI assistant can answer questions about budget data and move money between categories using text requests.Read 12 Oct 2026 · trout.money
- Automation
- Rules can match payee, amount, or memo, using OR within a condition group and AND across groups.Read 12 Oct 2026 · trout.money
- Availability
- The terms say the beta service targets best-effort availability and makes no uptime guarantees.Read 12 Oct 2026 · trout.money
- Bank access limits
- Bank sync is read-only, does not initiate payments, and available history varies by bank.Read 12 Oct 2026 · trout.money
- Bank sync
- Supported European banks connect through Enable Banking, while supported US and Canadian banks connect through SimpleFIN.Read 12 Oct 2026 · trout.money
- Budgeting
- Envelope budgeting includes categories, groups, rolling balances, and five goal types.Read 12 Oct 2026 · trout.money
- Budgeting tools
- YesRead 22 Sep 2026 · trout.money
- Crypto
- Crypto tracking uses CoinGecko prices with a five-minute refresh target and retains the latest cached quote if refresh fails.Read 12 Oct 2026 · trout.money
- Currencies
- Trout supports 147 currencies and uses the latest available exchange rate, refreshed daily.Read 12 Oct 2026 · trout.money
- Investments
- Investment positions are entered manually; brokerage syncing, trade ledger, automatic transfer tracking, and tax-lot accounting are unavailable.Read 12 Oct 2026 · trout.money
- Net-worth tracking
- YesRead 22 Sep 2026 · trout.money
- Project age
- The home page says Trout was established in 2025.Read 12 Oct 2026 · trout.money
- Report export
- YesRead 22 Sep 2026 · trout.money
- Self-hosting
- Self-hosting uses AGPL-3.0 software and the maker's Docker guide requires a Linux host.Read 12 Oct 2026 · trout.money
Plans and prices
Free Free No card required Envelope budgeting · Accounts, goals, and schedules · Rules, crypto tracking, and multi-currency budgeting Read 22 Sep 2026 · trout.money
Hosted Monthly €7 a month billed monthly Bank sync through supported providers · AI categorisation and chat · API access when it launches Read 22 Sep 2026 · trout.money
Hosted Annual €59 a year Recommended · annual Bank sync through supported providers · AI categorisation and chat · API access when it launches Read 22 Sep 2026 · trout.money
Manual budgeting Free Free Envelope budgeting · accounts, goals, and schedules · rules, crypto tracking, and multi-currency budgeting Read 12 Oct 2026 · trout.money
Self-hosted Free €0 · software licence · AGPL-3.0 Free software · requires your own infrastructure and service keys Read 12 Oct 2026 · trout.money
Hosted monthly €7 a month €7/ month Bank sync through supported providers · AI categorisation and chat · API access when it launches Read 12 Oct 2026 · trout.money
Hosted annual €59 a year €59/ year Bank sync through supported providers · AI categorisation and chat · API access when it launches Read 12 Oct 2026 · trout.money
Where Specifiction places it
- Personal Finance Software#15 of 1818.8
- Budgeting And Expense Tracking#12 of 298.2
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