BudgetPilot vs Pledger.io
BudgetPilot
github.comPledger.io
pledger.ioSide by side
| Figure | BudgetPilot | Pledger.io |
|---|---|---|
| Price from | Free | — |
| Free plan | Yes | — |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| Windows | Yes | Yes |
| macOS | Yes | — |
| Linux | Yes | — |
| Android | — | Yes |
| API | — | Yes |
| Self-hosted | Yes | Yes |
| Plans published | 1 | 0 |
| Spec score · Personal Finance Software | 8.9 (#9) | 7.7 (#118) |
| Account sync | both | manual |
| Authentication | Optional two-factor authentication uses an authenticator app and one-time recovery codes. | The REST API documentation says authentication uses bearer JWT unless an operation is marked public. |
| Bill tracking | Yes | Yes |
| Budgeting tools | Yes | Yes |
| Net-worth tracking | Yes | Yes |
| Purpose | BudgetPilot is a local-first personal budgeting app for tracking budgets, net worth, savings goals, and cash-flow forecasts. | Pledger.io is open-source, self-hosted personal finance software for tracking accounts and transactions, categorizing spending, and setting budgets. |
| Report export | Yes | Yes |
| Security | The security policy describes hashed session tokens, bcrypt password hashing, optional TOTP/MFA, and encryption for banking credentials and MFA secrets. | The maker says Pledger.io does not hand financial data to a cloud service and that users retain control by self-hosting. |
| Transactions | Users can enter transactions manually or import CSV and XLSX statements with duplicate detection. | It records income and expenses, imports bank data, and keeps account transaction histories. |
Plans
In their own words
BudgetPilot
BudgetPilot has no write-up on Specifiction yet; its figures are above.