Your AI-Powered Finance Manager
Understand your cash flow like a company
Upload bank statements, let AI extract and categorize every transaction, then view income statements, balance sheets, and cash flow analytics — all in one place.
Self-hosted & open source. Your data stays on your server.
Where your money flows — February 2026
Personal finance shouldn't feel like accounting homework
Spreadsheets are tedious. Most finance apps want your bank login. OpenMoneyFlow takes a different approach — upload your statements, and AI does the rest. No bank credentials needed, no manual data entry, no subscription lock-in.
How it works
Three steps to financial clarity
Upload statements
Drop your bank or credit card statements as PDF or images. AI-powered OCR extracts every transaction automatically.
Auto-categorize
Transactions are intelligently categorized into income, expenses, and subcategories. Create custom rules for full control.
Analyze & report
View income statements, balance sheets, and Sankey diagrams of your cash flow. Know exactly where your money goes.
Features
Everything you need to manage your money
AI-Powered OCR
Upload PDF or image bank statements. AI extracts transactions with dates, descriptions, and amounts.
Smart Categorization
LLM-powered auto-categorization with custom rules you define. Two-level category hierarchy for detailed tracking.
Income Statement
See revenue vs expenses broken down by category and time period, just like a real P&L report.
Balance Sheet
Track assets and liabilities across all accounts for a snapshot of your net worth at any point in time.
Cash Flow Analytics
Sankey diagrams and trend charts show exactly where your money comes from and where it goes.
Transaction Reconciliation
Match and reconcile transactions across accounts. Catch duplicates and discrepancies automatically.
Privacy first
Your data, your server, your rules
Self-hosted
Run on your own server. No third-party cloud storage for your financial data.
Open source
Full source code available. Audit, modify, and contribute as you see fit.
No bank logins
We never ask for your bank credentials. Upload statements manually for full control.
Local processing
OCR and categorization happen on your infrastructure. Data never leaves your network.
Start understanding your money today
Set up in minutes. Upload your first statement and see your finances come to life with AI-powered insights.