Ocular is the lean choice: income and spending by category, an overview per month and year, done.
566 stars on GitHub Latest commit on September 21, 2026
Actual instead of Finanzguru
Income, spending and fixed costs at a glance, without an app accessing your bank account. You fetch the transactions from online banking yourself, and the analysis stays with you.
about €1.67 / month All the pricing details
What you get out of it
No connection to your bank, no access by third parties- The CSV export from your online banking is enough
- Categories and reports shaped the way you need them
Finanzguru and Podless
| Finanzguru and Podless | Finanzguru | On Podless |
|---|---|---|
| Where the data lives | FinanzguruOn the provider’s servers | On PodlessIn your own instance in the EU |
| Source code | FinanzguruNot open to read | On PodlessOpen, you can read what runs |
| Ads and profiling | FinanzguruPer the provider’s terms | On PodlessNone |
| Your own domain | FinanzguruUsually not offered | On PodlessIncluded, certificate too |
| Getting out again | FinanzguruAs far as the provider allows | On PodlessSFTP, database, backups to your storage |
| If it gets shut down | FinanzguruYou have to move | On PodlessYou decide when you leave |
Also fits
Other swaps
Monarch Money ActualBudgeting with categories, goals and reports, without a subscription and without a bank connection. You load transactions from online banking, and the data lives in your own instance.
Copilot Money ActualA tidy budgeting app with categories, budgets and trends that runs in the browser on any device. No bank connection and no subscription, in your own instance.
EveryDollar ActualZero-based budgeting: every euro gets a job before the month begins. Actual does exactly that from the ground up, without a subscription or access to your account.