BudgetPilot vs Trout
BudgetPilot
github.comTrout
trout.moneySide by side
| Figure | BudgetPilot | Trout |
|---|---|---|
| Price from | Free | €4.92/mo |
| Free plan | Yes | Yes |
| Free trial | — | Yes |
| Open source | — | — |
| Web | Yes | Yes |
| Windows | Yes | — |
| macOS | Yes | — |
| Linux | Yes | — |
| API | — | Yes |
| Self-hosted | Yes | Yes |
| Plans published | 1 | 7 |
| Spec score · Personal Finance Software | 8.9 (#9) | 8.8 (#15) |
| Account sync | both | both |
| Budgeting | Budgets can be set monthly by category and flagged when spending approaches the limit. | Envelope budgeting includes categories, groups, rolling balances, and five goal types. |
| Budgeting tools | Yes | Yes |
| Net-worth tracking | Yes | Yes |
| Privacy | The maker says financial data stays on the user's machine by default, with no mandatory external calls; optional AI and bank connections require opt-in configuration. | The hosted service says it does not sell data, show advertising, or use financial data to train machine-learning models. |
| Purpose | BudgetPilot is a local-first personal budgeting app for tracking budgets, net worth, savings goals, and cash-flow forecasts. | Trout is an envelope-budgeting ledger for people who want to own their money and data. |
| 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 privacy policy says passwords are hashed with scrypt, transport uses TLS, and provider secrets are encrypted at rest. |
| Support | Security vulnerabilities can be reported privately through GitHub Security Advisories, and the maintainer says there is no formal response-time SLA. | The maker provides a GitHub bug-report link and lists an email address for privacy and data requests. |
Plans
Trout
- FreeFree
- Hosted Monthly€7 a month
- Hosted Annual€59 a year
- Manual budgetingFree
- Self-hostedFree
- Hosted monthly€7 a month
- Hosted annual€59 a year
In their own words
BudgetPilot
BudgetPilot has no write-up on Specifiction yet; its figures are above.