BudgetPilot vs Kubera
BudgetPilot
github.com
Kubera
kubera.comSide by side
| Figure | BudgetPilot | Kubera |
|---|---|---|
| Price from | Free | $20.83/mo |
| Free plan | Yes | — |
| Free trial | — | Yes |
| Open source | — | — |
| Web | Yes | Yes |
| Windows | Yes | — |
| macOS | Yes | — |
| Linux | Yes | — |
| iOS | — | Yes |
| Android | — | Yes |
| Self-hosted | Yes | — |
| Plans published | 1 | 3 |
| Spec score · Personal Finance Software | 8.9 (#9) | 8.6 (#26) |
| Limitations | BudgetPilot works in euros; statement lines in other currencies are refused, while other-currency amounts from bank sync are included in euro totals. | Kubera says it cannot initiate transactions, does not store banking credentials, and is not a tax filing tool. |
| Security | The security policy describes hashed session tokens, bcrypt password hashing, optional TOTP/MFA, and encryption for banking credentials and MFA secrets. | Kubera says data is encrypted at rest on AWS and in transit over HTTPS with HSTS, while its account connections are read-only. |
| Support | Security vulnerabilities can be reported privately through GitHub Security Advisories, and the maintainer says there is no formal response-time SLA. | Black includes priority email support and one-to-one Zoom calls; Kubera says its team replies to customer emails. |
Plans
In their own words
BudgetPilot
BudgetPilot has no write-up on Specifiction yet; its figures are above.