Other apps wait for you to open them. Oikonome sends one email every morning: on budget or over, and the number to hit today. Self-host free with no feature gates, ever — or support the project and run on our managed instance.
No card for the trial · cancel anytime, unused time refunded · the demo needs no signup
This is the product. Not a dashboard habit. Open the email → know where you stand → get on with your day. Prefer a ping? The same digest lands as a push notification — email or push, on the cadence you choose.
Why Oikonome
Most finance apps are charts you have to remember to look at. Oikonome leads with the answer — delivered to your inbox — and backs it with deeper forecasting and import than apps costing twice as much.
On budget or over. One number for today. Price creep and odd charges called out — not a digest afterthought buried in settings. No other consumer app makes this the core loop.
Run the entire product yourself for $0, or support the project on the managed instance. Both run the identical app — a subscription is a choice here, not a requirement.
Cash forecast that models statement vs full card payoff — the decision households actually make. Retirement replay against a century of real markets, not one rosy line chart.
What makes it unique
Most apps dump a feed and a pie chart. Oikonome is a steward: it proposes structure, explains the verdict, and stays quiet when nothing interesting happened.
Auto bill find
After history lands (sync or import), Bills runs detection from real cadence and amounts. You get a queue of proposals — rent, utilities, subscriptions, paychecks — approve or reject each one. No typing every merchant by hand.
When things change
Subscriptions hike. Categories need a nudge. The plan should explain itself. Oikonome surfaces change instead of hoping you notice.
Envelopes · monthly & annual
Not every cost is “$X every month.” Insurance, domains, vet bills, car repairs arrive in lumps. Oikonome envelopes do both shapes:
Variable spending only for OVER/UNDER. Bills live in the plan and forecast — paid rent doesn’t scream “over budget.”
Left to spend today, per category — fixed each midnight, spent down in full. The heart of Today and the morning email.
Bars on one dollar scale: spent, still to come, bills awaiting due date. Overspend literally grows past the budget length.
Food + Everything-else defaults, plus custom buckets you carve out — with history-based suggestions you approve.
Line items detail a charge; the total still rules the verdict. No mystery re-bucketing.
Two sources for one account? Healthiest wins; shadows keep syncing for failover without bloating totals.
Honest comparison
We’re not “everything for everyone” — the rows below are the ones we think matter. Judge for yourself.
Swipe the table — Copilot, Simplifi, and Actual (OSS) are in there too →
| Capability | Monarch | Copilot | Simplifi | Actual (OSS) | Oikonome |
|---|---|---|---|---|---|
| Price & ownership | |||||
| Price, billed monthly | $14.99 | $13 | annual only | n/a | $6.99 |
| Price, billed yearly | $99.99 | $95 | $71.88 | n/a | $69 |
| Self-host full product free | No | No | No | Yes | Yes · every feature |
| The daily loop | |||||
| Daily “are you on budget?” verdict email | No | No | No | No | Core loop ★ |
| “Spend at most today” number | No | No | Weak | No | Every morning ★ |
| Annual-pool envelopes (lumpy costs) | No | No | No | No | Yes ★ |
| Analysis depth | |||||
| Card payoff scenarios (statement vs full balance) | No | No | No | No | Yes ★ |
| Retirement sim · historical market replay | No | No | No | No | Yes ★ |
| Ask your ledger questions (AI assistant) | Cloud AI | Cloud AI | No | No | Local · data stays home ★ |
| Your history & data | |||||
| Import decades (Mint / Quicken / YNAB / CSV) | Limited | Limited | Limited | CSV | Deep import hub ★ |
| Bank sync options | Vendor locked | Vendor locked | Vendor locked | SimpleFIN | SimpleFIN · BYO Plaid · CSV |
| Zero product telemetry (self-host) | No | No | No | Yes | Dark by design ★ |
| Source available to inspect | No | No | No | OSS | Fair Source |
| Community | |||||
| Vote on what gets built | No | No | No | Discussions | 👍 on issues ★ |
| Native mobile apps | Yes | Yes | Yes | Partial | iOS & Android |
Competitor prices are their published standard (non-promotional) rates, checked 08/2026 · ★ = unique or clear lead.
No card for the trial · $6.99/mo or $69/yr after · the demo needs no signup
What you get
Not a half-built feed. Not a credit-score upsell. Auto bills, envelopes, Amazon vendor detail, community scripts, suggestions, hints, forecast depth, the morning email — and a public backlog you can request features on and vote for what lands next.
The daily verdict — and every digest — arrives by email or push, on the cadence you choose: daily, weekly, monthly, or annual. Critical rules (amount over X, double charge, unknown merchant) that fire at sync time are coming soon. You’re not glued to the app.
Snap a receipt (photo or PDF) — a vision model parses it, auto-crops and cleans it up, and files it on the transaction. Bank-check photos parse the payee, amount, and memo, then categorize themselves.
A conversational assistant over your own ledger — “what did we spend on the kitchen remodel?” Answered locally. No financial data leaves your box.
Tag accounts and transactions by household owner, then filter spending reports and net worth by person. Shared finances without losing whose is whose.
Every categorization rule is visible — yours, model-learned, and built-in — searchable with provenance. Edit or disable any learned rule; it becomes yours. No black-box auto-categorizer.
iOS and Android over the same API — and the daily email needs no app at all, so the signal reaches you either way.
Replay your plan against a century of real market paths — not a single optimistic line chart pretending certainty.
SimpleFIN, BYO Plaid, CSV/OFX always. Aggregator-agnostic so self-hosters aren’t locked to our vendor.
Cash ahead
Most apps show “what you spent.” Oikonome projects what you’ll have — including how you pay the card.
History that matters
Ex-Mint refugees don’t start from zero. Bring the archive. Forecasts and bill detection get smarter with real history.
| Year | Spent | Txns |
|---|---|---|
| 2026 | $48,788 | 508 |
| 2025 | $85,378 | 893 |
| 2024 | $83,185 | 870 |
| 2023 | $82,548 | 887 |
| 2022 | $76,184 | 863 |
| 2021 | $76,136 | 865 |
| 2020 | $76,508 | 863 |
It does the work
You shouldn’t have to audit every line. Oikonome watches recurring merchants, calls out what changed in the morning email today — and, coming soon, will push the ones you care about the second sync sees them.
Beyond the bank API
Some money lives outside Plaid: a retailer order history, a 401(k) CSV portal, a broker with a private API. Oikonome’s answer is a documented plug-in contract — not a closed scraper we own. The flagship example, below: the Amazon collector splits every “Amazon.com” charge into the items you actually bought, each auto-filed into its budget bucket.
| Item | Amazon category | Budget bucket · auto | Price |
|---|---|---|---|
| Purina Pro Plan dog food, 24 lb | Pet Supplies | Pets | -$42.99 |
| Furnace filters 16×25×1, 4-pack | Home & Kitchen | Home | -$24.49 |
| USB-C charging cable, 2-pack | Electronics | Electronics | -$13.99 |
| Kids’ watercolor set | Toys & Games | Kids | -$5.50 |
Built with you
Oikonome is Fair Source and community-shaped — not a black-box roadmap decided in a private Slack. If you use it, you can steer it.
Open a GitHub issue with what you need and why. Bug reports, UX notes, and “I wish it did X” all count — we read them.
👍 react on issues you care about. Higher signal rises. The public issue list is the priority queue — you help pick what gets added next.
PRs welcome for product fixes and for community-scripts/ collectors others can run. Docs and tests land with the change — see CONTRIBUTING.
Feature ideas live as issues — searchable, linkable, voteable. No closed “we’ll think about it.”
Ship a collector others need (Amazon, payroll portals, regional banks). The contract is documented so yours can be shared safely.
No feature gates. If it lands in the product, self-host gets it the same day as hosted.
GitHub issues for bugs & features · PRs for code · security@ for vulnerabilities. One open surface.
Pricing
Two ways to run the same app, and no tiers in either. Self-host it free forever with your own aggregator keys, or let us run it for $6.99 a month. Hosted sells setup, backups and bank plumbing — never features.
Free forever, no strings — donations keep it that way.
No card to start · then $6.99/mo or $69/yr · cancel anytime from Settings, unused time refunded by the day.
No feature gates anywhere — the app is identical either way. Hosted is capped at 6 connected institutions, because bank connections are the one cost that scales with you. One connection = one bank, card, or brokerage login, however many accounts it holds. Outgrow the cap and you can self-host the whole thing free with your own aggregator. Nobody gets locked out of their own money. Alerts arrive by email and push on both plans.
Trust
FAQ
They optimize for in-app engagement. We optimize for a morning email you can act on without opening an app, and ship cash-forecast, payoff, and retirement depth they skip — plus full self-host, which they don’t offer.
Because the economics allow it. Self-hosters carry their own costs, our categorization runs on bundled local models instead of metered APIs, and there’s no growth team to feed. $6.99/mo · $69/yr is a price we can keep — not an intro rate.
After sync or import, Oikonome scans cadence and amounts, then proposes recurring bills and paychecks. You approve or reject each proposal. When a subscription settles at a new amount, amount drift can update the bill automatically (with an audit entry). Hand-edited amounts stay protected.
Monthly caps a habit each calendar month (e.g. dining). Annual gives one pool for the year for lumpy costs (insurance, domains, car care) so renewals don’t look like overspending. Overflow past the pool still counts as normal variable spend — clean math.
Hints surface price creep, doubles, and calm “why OVER” reasons. Budget suggest uses a trailing ~6‑month median per bucket; you approve each number before it sticks. Nothing silent-overwrites your plan.
Actual is excellent envelope budgeting. We’re built around forecasting + the daily verdict + deep history import. Different job; many people use both kinds of tools for different reasons.
No. Self-host is 100% of features, forever. Hosted sells convenience (we run servers, backups, bank plumbing), not locked features.
So you can self-host everything forever while the project stays sustainable. Commercial free-riding is restricted; after two years each release becomes Apache.
Yes — iOS and Android, over the same API as the web app. And the daily email needs no app at all, so the morning signal reaches you before you’ve opened anything.
Signup opens at launch — the first 30 days are free and we don’t ask for a card; after that it’s $6.99/mo or $69/yr, cancel anytime with the unused part refunded. Until then, try the live demo, or self-host from GitHub once the code publishes at launch.
Yes — demo.oikonome.com is the real product running on a synthetic household: three years of history, bills mid-detection, an over-budget month to poke at. No signup, one click in, and everything resets on the hour. The product panes on this page are drawn from it.
Yes. File a feature request as a GitHub issue, 👍 react on the ones you want most, and open PRs when you can ship a fix. That public signal is how we prioritize what gets added next — not a private corporate backlog.
Host-side collectors you run yourself for data sources bank APIs miss
(Amazon order history, 401(k) CSVs, broker APIs, etc.). Credentials stay
on your machine; you push into Oikonome with scoped script tokens.
Example scripts and the contract live in the repo under
community-scripts/.
The Spending report ranks merchants with total spend, visit count (so you can see average), and a monthly trend chart. When Amazon orders are synced via the community script, line-items and Amazon categories expand the single “Amazon.com” card charge into what you actually bought.
One plan · $6.99/mo · $69/yr · or self-host free forever.
No card for the trial · cancel anytime, unused time refunded · the demo needs no signup
| Date | Event | Amount | Autopay stmt | |
|---|---|---|---|---|
| 08/01/26 | Maple Street Mortgage Co — paid ✓ | -$2,000 | · | |
| 08/02/26 | IronWorks Gym — paid ✓ | -$39 | · | |
| 08/03/26 | NewsWire Daily — paid ✓ | -$13 | · | |
| 08/06/26 | TrashCo Sanitation — paid ✓ | -$29 | · | |
| 08/08/26 | StreamFest — paid ✓ | -$16 | · | |
| 08/11/26 | FlixBox Video — paid ✓ | -$19 | · | |
| 08/12/26 | City Power & Light — paid ✓ | -$165 | · | |
| 08/12/26 | TuneBox Music — paid ✓ | -$11 | · | |
| 08/15/26 | SafeGuard Life — paid ✓ | -$46 | · | |
| 08/15/26 | Lakeside Pharmacy · GENERAL MERCHANDISE | -$20.30 | · | |
| 08/15/26 | Cedar Family Clinic · MEDICAL | -$267.41 | · | |
| 08/14/26 | Daily Grind Coffee · FOOD AND DRINK | -$8.21 | · | |
| TODAY · checking $6,395 · recent variable spending $296 | ||||
| 08/17/26 | PetShield Pet Insurance | -$32 | $6,130 | |
| 08/18/26 | Clearwater Utility District | -$56 | $5,959 | |
| 08/20/26 | FiberLink Internet | -$70 | $5,656 | |
| 08/21/26 | Acme Manufacturing Payroll | $3,937 | $9,478 | |
| 08/22/26 | CellOne Mobile | -$98 | $9,264 | |
| 08/25/26 | CloudSafe Backup | -$6 | $8,909 | |
| 08/28/26 | Guardian Auto Finance | -$507 | $8,054 | |
The render above is the real thing — the exact email template, run against the live demo’s synthetic household and captured verbatim. Your numbers, every morning at the time you choose.