Who securo is for#
Privacy-conscious individuals tracking personal budgets
Self-hosted expense tracking, bank sync, and budget limits give full control over monthly spending data without sharing it with a commercial platform. The recurring transaction templates handle subscriptions and bills automatically, and spending reports show net worth alongside income versus expense breakdowns.
Skip if:
You prefer a fully managed mobile-first app with no server setup and are comfortable with your financial data on a commercial platform.
Small teams or households splitting shared expenses
The split expense feature tracks per-person balances across multiple users on the same Securo instance. A family or small team can track shared bills, groceries, or rent in the same tool they use for personal budgets, with the shared view showing exactly what each person owes in the current period.
Skip if:
Your group is large or distributed and needs a dedicated expense-splitting app with real-time push notifications and a standalone mobile experience.
Investors tracking a personal portfolio alongside daily spending
Adds stocks and custom assets with valuation rules and growth tracking. Net worth reports combine bank account balances with investment values in one view. Custom assets cover real estate or private equity alongside standard tickers, giving a complete picture of household wealth in a single self-hosted tool.
Skip if:
You need automatic price feeds for a large number of tickers, options tracking, or tax lot accounting with cost-basis reporting.
Developers extending their finance stack with a self-hosted LLM
The optional agents module connects a self-hosted LLM to financial data via MCP tool-use with a per-agent RAG knowledge base. Supports OpenAI, Anthropic, Ollama, and OpenAI-compatible providers. Developers can ask natural-language questions about spending history or wire the MCP server to an existing model provider they already run.
Skip if:
You do not need AI features or prefer a lightweight finance app without the additional infrastructure required to run a local model alongside the main stack.
The problem it solves#
Personal finance apps that manage your data carry an inherent challenge: your most sensitive numbers are on someone else's server. Services like Monarch Money and YNAB charge monthly or annual subscriptions that add up over time, and the moment you cancel, your transaction history and budgets become inaccessible or exportable only in formats that do not transfer cleanly to other tools.
The challenge runs deeper than cost. Financial data is among the most sensitive information anyone generates, yet commercial platforms treat access to it as a product feature rather than a liability. Subscription pricing can change, companies can be acquired, and privacy policies can be revised with minimal notice. Users who want long-term control over their own financial history have no safe path forward with proprietary services.
How it solves it#
Bank Sync Across Three Regions
Connects to Brazilian banks via Pluggy, roughly 2,500 European PSD2-compliant banks via Enable Banking, and US and international banks via the SimpleFIN Bridge. Each provider is optional and activates by adding credentials to the environment file. SimpleFIN requires no API key and uses a one-time setup token from the SimpleFIN Bridge, making it the lowest-friction path for US users.
Auto-Categorization Rules Engine
Builds custom rules to automatically categorize incoming transactions. Rules can be reapplied retroactively to existing history, so a new rule updates past transactions in bulk without manual editing. The engine handles recurring patterns and allows category overrides on individual transactions while preserving the rule for future imports.
Investment Portfolio Tracking
Tracks stocks and custom assets with valuation and growth rules. The portfolio view shows total value, percentage change, and per-asset breakdown. Asset types extend beyond equities to any asset with a manual or formula-driven valuation, covering real estate and other non-standard holdings alongside standard tickers.
Shared Expense Splitting
Assigns transactions to multiple users and tracks per-person balances across shared splits. The shared view shows composition by person for the current period, covering how much each person owes across all splits. Suitable for a household or a small team tracking shared bills without a separate app.
Optional Self-Hosted AI Agents
Adds a self-hosted LLM chat panel over your financial data via MCP tool-use. Supports OpenAI, Anthropic, Ollama, and any OpenAI-compatible provider. Off by default and zero cost when off. Agents can answer natural-language questions about spending history, set budgets on request, and maintain a per-agent RAG knowledge base.
OIDC and Passkey Authentication
Delegates login to any standard OIDC provider (Authentik, Pocket ID, and others) with optional role sync from provider groups. Passkeys work out of the box on localhost and on HTTPS domains with no extra configuration. Two-factor authentication via TOTP with brute-force protection is also available alongside standard password login.
Strengths and trade-offs#
Strengths
- No Server-Side Data Storage by DesignThe project explicitly operates no servers of its own. Every transaction, credential, and bank connection stays within the user's infrastructure. Unlike Monarch Money or YNAB, which aggregate financial data on commercial platforms, Securo treats the trust boundary as the user's own firewall. Bank connections are brokered through regulated open-banking APIs, not through any Securo-controlled relay.
- Multi-Region Bank Sync in One ToolCovers Brazilian banks (Pluggy), European banks (Enable Banking, roughly 2,500 PSD2-compliant institutions), and US banks (SimpleFIN read-only protocol). Most self-hosted finance tools cover only one region or require manual CSV import. Securo's multi-provider design supports accounts across multiple countries in a single instance, which matters for users with international financial footprints.
- AGPL-3.0 with Active DevelopmentCreated in March 2026, the project reached 2,548 GitHub stars with the last push on 2026-08-28, indicating active ongoing development. The AGPL-3.0 license means any hosted derivative must release its source changes, protecting the community against proprietary forks. For personal self-hosting, there is no subscription cost.
- File Import Covers Major Bank Export FormatsAccepts OFX, QIF, CSV, and CAMT files for migrating transaction history from other tools. This covers the standard export formats of most US and European banks and the common outputs from Quicken, Mint, and similar tools. Full transaction history can be imported before switching, avoiding a cold-start budget.
Trade-offs
- -Bank Sync Requires Third-Party Provider Sign-UpPluggy, Enable Banking, and SimpleFIN each require a separate account or API credentials. Enable Banking's free tier also requires pre-linking accounts inside their portal before Securo can connect them, and production use of Enable Banking requires HTTPS. Users in regions outside Brazil, Europe, and the US have no automated bank sync path and must rely on CSV import exclusively.
- -Self-Hosting Requires Docker and a Reverse Proxy for Full FeaturesThe stack includes FastAPI, PostgreSQL, Redis, and Celery. A single `docker compose up -d` starts everything, but production deployments that need HTTPS, passkeys, or OIDC also require a reverse proxy and a domain. The WebAuthn standard prohibits passkeys on plain HTTP outside of localhost, so a self-hosted instance on a raw IP address cannot use passkeys at all.
- -167 Open Issues at Time of ReviewWith 167 open issues on a project launched in March 2026 and approaching 2,500 stars, the issue queue is growing alongside the user base. This is expected for a rapidly adopted tool but signals that users may encounter unresolved bugs in less-used features. The Discord community and docs are the primary support channels.
securo vs alternatives#
Securo vs Monarch Money
Monarch Money is a cloud-based budgeting tool focused on bank connections, spending insights, and investment tracking. Both tools cover budgets, bank sync, spending reports, and portfolio monitoring. The key difference is deployment: Monarch Money runs in the cloud, while Securo runs on your server.
| Feature | Securo | Monarch Money |
|---|---|---|
| License | AGPL-3.0 | Proprietary |
| Hosting | Self-hosted | Cloud only |
| Cost | Free (self-hosted) | Subscription (paid) |
| Bank sync | Brazil, Europe, US | Managed cloud sync |
| Investment tracking | Yes | Yes |
| AI assistant | Optional (self-hosted LLM) | Cloud-based |
Securo is the better choice when data ownership and long-term subscription cost are the primary concerns. Monarch Money is a better fit when you want a fully managed service with polished mobile apps, automated updates, and no infrastructure to maintain.
Securo vs YNAB
YNAB uses envelope-based zero-sum budgeting with a focus on giving every dollar a job. Both tools handle bank connections and spending categories, but YNAB's methodology differs significantly from Securo's flexible approach.
| Feature | Securo | YNAB |
|---|---|---|
| License | AGPL-3.0 | Proprietary |
| Hosting | Self-hosted | Cloud only |
| Cost | Free (self-hosted) | Subscription (paid) |
| Budgeting method | Flexible rules-based | Zero-based (envelope) |
| Investment tracking | Yes | No |
| Bank sync regions | Brazil, Europe, US | US-focused |
Securo covers a wider feature set than YNAB, including investment tracking and multi-region bank sync. YNAB is the better choice for users who specifically want envelope-based budgeting methodology, strong mobile apps, and dedicated customer support without managing their own server.
Securo vs Quicken Simplifi
Quicken Simplifi targets US users who want a simple, managed view of their finances with minimal setup and real-time spending alerts. Securo is more feature-complete but requires server access.
| Feature | Securo | Quicken Simplifi |
|---|---|---|
| License | AGPL-3.0 | Proprietary |
| Hosting | Self-hosted | Cloud only |
| Cost | Free (self-hosted) | Subscription (paid) |
| Investment tracking | Yes | Limited |
| Bank sync regions | Brazil, Europe, US | US-focused |
| AI assistant | Optional (self-hosted) | No |
Securo has a wider feature set with no subscription cost for self-hosters and covers international bank connections that Quicken Simplifi does not. Quicken Simplifi is simpler to get started with and a better fit for US users who want a managed budgeting app without any server setup.
Install and self-host#
Self-hosting uses Docker Compose with PostgreSQL and Redis for a complete install.
```bash
curl -fsSL https://usesecuro.com/install.sh | bash
```What it's built on#
- Languages
- PythonTypeScript
- Frameworks
- FastAPIReact
- Cache
- Redis
FAQ#
Is Securo free to use?
Yes. The self-hosted version is AGPL-3.0 licensed and free to run on your own infrastructure. There is no subscription, no usage limit, and no cloud tier required. The only ongoing cost is the server you run it on, which can be a home machine or a basic VPS.
Which banks does Securo support?
Securo connects to Brazilian banks via Pluggy, roughly 2,500 European PSD2-compliant banks via Enable Banking, and US and international banks via the SimpleFIN Bridge. Bank sync is optional: you can also import transactions manually using OFX, QIF, CSV, or CAMT files from any bank that supports standard export formats.
How does Securo compare to YNAB and Monarch Money?
Securo covers the same core workflows as YNAB and Monarch Money (budget tracking, bank sync, recurring bills, spending reports) but runs on your own server with no subscription fee. It also adds investment portfolio tracking and multi-region bank sync. YNAB and Monarch Money are better choices if you want a polished managed cloud app with no server setup required.
Can I self-host Securo on a home server or VPS?
Yes. The recommended path is Docker Compose with PostgreSQL and Redis included. On Linux and macOS, one curl command handles the full install. On Windows, install Docker Desktop first, then clone the repo and run docker compose up --build. A VPS or home server with a few gigabytes of RAM handles the full workload. For passkeys and OIDC to work, a domain with HTTPS is required.
Does Securo share my financial data with anyone?
No. The project operates no servers of its own. Bank credentials and transaction data stay in the PostgreSQL database on your machine. Bank connections are brokered through regulated open-banking APIs (Pluggy, Enable Banking, SimpleFIN), which handle the bank authentication flow but do not relay your data through any Securo-controlled infrastructure.
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