Track every dollar without sharing a single one. Havoro is a personal finance tracker that runs entirely on your hardware. No bank logins, no cloud, no subscription.
Most budgeting apps require you to hand over your bank credentials or link via Open Banking. Havoro takes a different approach: you import a CSV export from your bank. That's it.
Your bank login never touches Havoro. Download a CSV from your bank's website and import it: the same file you could open in Excel. No OAuth, no screen scraping, no credentials stored anywhere.
Install the desktop app on Windows or Linux. Your data lives in a SQLite file in your own home folder. It never leaves your machine unless you want it to.
No 40-screen setup wizard, no rules engine you need a manual to configure. Add an account, import a CSV, set a budget. If you've ever abandoned a budgeting app halfway through onboarding, that won't happen here.
Most budgeting apps charge $10-15 a month to help you save money, which never made sense to me. MIT licensed, with none of the usual catches: no freemium tier, no "pro" plan, no ads, no telemetry. It costs nothing because it isn't a business.
I looked for a budgeting app for months. Every option I found was either $10-15 a month (to help me save money, which never made sense) or free but so complicated I gave up before finishing the setup wizard. Havoro is the app I wished existed. It doesn't have a subscription, a bank login to hand over, or a bloated onboarding flow. Just track what comes in, what goes out, and what's left.
CHARLIE MANSELL, CREATOR OF HAVORO
| Feature | Havoro | Mint / YNAB | Spreadsheet |
|---|---|---|---|
| No bank login required | Yes | No | Yes |
| Data stays on your hardware | Yes | No | Yes |
| Free to use | Yes | Subscription | Yes |
| Auto-categorise transactions | Yes | Yes | No |
| Net worth tracking | Yes | Yes | Manual |
| Accessible from your phone | In the works | Yes | No |
| Works without internet | Yes | No | Yes |
| Open source | Yes | No | n/a |
Built around the things that matter: where your money is, where it's going, and whether you're on track.
Monthly snapshot: net worth, income vs expenses, savings rate, top spending categories, and active goals, all in one view.
Import CSV exports from ANZ, NAB, Westpac, CommBank. Auto-categorise with keyword rules. Search, filter, and mark transfers.
Set monthly category budgets and track your actuals in real time. Know exactly how much is safe to spend, today.
Track savings targets and irregular expense pots: holidays, car rego, Christmas. See the required monthly contribution.
Full asset-class breakdown: cash, super, property, shares, and liabilities. Watch your trend month over month.
Know exactly what to transfer at the start of each month: bills account top-up, savings, sinking funds, grouped by destination account.
Manage bank accounts, super, property, share portfolios, and loans. Property valuations, share prices, and balance projections built in.
A native iPhone app is in development, syncing with the desktop app directly over your home network. No cloud, no server to run. Coming soon
Nightly backups with 30-day retention. One-click restore from Settings. Your data is always protected.
A clean, focused interface that gets out of your way.
Once you're in, the User Guide shows how to set it up for the way you bank: credit card daily driver, debit-only, bills-account system, or shared finances.
Download the installer and run Havoro like any other app. Your data is stored in your home folder. No Docker, no Node.js, no command line. Just double-click.
Prefer to run your own server instead? Havoro also ships as a Docker image for anyone who wants to self-host or build on it — see the server setup docs in the repo.
Havoro is MIT licensed. Read the source, audit the security model, fork it, build on it. The whole thing is on GitHub.
Havoro is free and always will be. If it saves you a subscription, you can buy me a coffee. Entirely optional; it funds nothing but gratitude.