Budget smarter.
Own your data.
Trout is an envelope-budgeting ledger for people who want to own their money — and their data. Host it yourself, or let us run it for five bucks.
Everything you need.
Nothing you don't.
The same envelope methodology that made the category famous — plus a handful of features the others never got around to building.
Envelope budgeting
Give every dollar a job. Roll balances forward. Move money when plans change.
Read moreAI assistant
Ask 'how much on groceries last month?' or 'move $200 from Dining to Rent'. It's just text.
Read moreBank sync
2,500+ European banks via GoCardless Open Banking. No credential sharing, ever.
Read moreCrypto tracking
Track BTC, ETH, and thousands of tokens with 18-decimal precision and live CoinGecko prices.
Read moreInvestment tracking
Daily snapshots of every brokerage. Cost basis persists. AES-256 credential storage.
Read moreMulti-currency
Budget in euros, spend in dollars, save in pounds. 170+ currencies, historical rates.
Read moreReports
Spending breakdowns, income vs expenses, cash flow, net worth — printed fresh each month.
Read moreRules & automation
Categorize by payee, memo, or amount. Teach it once, never again.
Read moreSelf-hosted
Bring your own Docker, Postgres, and API keys. Nothing phones home. MIT-licensed.
Read moreTwo plans. No asterisks.
Forever, unlimited accounts
Start free- —Envelope budgeting
- —Unlimited accounts
- —Reports & insights
- —Goals & schedules
- —Crypto tracking
- —Rules & automation
- —Multi-currency
For the bank-sync & AI
Start free, upgrade later- —Everything in Free
- —Bank sync · 2,500+ banks
- —AI assistant
- —Priority support
Want full control? Self-host for free with your own keys. Docker in one command →
How it stacks up.
| Feature | Trout | YNAB | Actual | Firefly III |
|---|---|---|---|---|
| Free tier | ||||
| Open source | ||||
| Envelope budgeting | ||||
| AI assistant | ||||
| Bank sync | Open Banking | Plaid | Plaid/SimpleFIN | Limited |
| Crypto tracking | ||||
| Multi-currency | Limited | |||
| Price | Free / $5 | $99/yr | $70/yr | Free |
YNAB has better mobile and offline support. Actual has end-to-end encryption. Firefly does double-entry. Read the full comparisons
One command.
Your hardware.
Docker image, Postgres, done. Bring your own GoCardless keys for bank sync and your own Anthropic key for AI. Nothing phones home.
Not for everyone.
Young project, growing community
Trout ships fast but is younger than YNAB or Actual. You may hit rough edges. Upside: features land quickly, and your feedback shapes the roadmap directly.
No offline mode (yet)
Trout needs an internet connection. Budgeting on the subway? Not today. Actual Budget nails offline-first — we'll get there, but we're not there yet.