✉
Daily verdict email only us
The morning signal: budget status, spend-at-most today, cash outlook, and alerts — delivered, not buried in a nav bar. Hourly sync sweeps keep the number honest all day. This is the product.
Private beta · invite-only
Know every morning
if you’re on budget.
Other apps wait for you to open them. Oikonome sends one email every morning: on budget or over, and the number to hit today. One hosted plan at $6.99/mo, or self-host free — no feature gates, ever.
Beta access opening soon
Try the live demo
The demo needs no signup at all · beta invites open soon
Built for the founder’s own household first — it ran on decades of real history, every morning, before it ever had a landing page.
FromOikonome · today@…
SubjectUnder budget — spend at most $44 today
When7:02 AM · every morning
UNDER BUDGET
Spend at most today$44
Cash, next 60 daysnever runs out
Internet bill crept up$70 → $80
Double charge flaggedSpotify × 2
Ledger freshnesssynced · hourly
This is the product. Not a dashboard habit. Open the email → know where you stand → get on with your day. Critical hits will also fire as push alerts you configure (coming soon).
Why Oikonome
Built around one honest answer a day.
Most finance apps are charts you have to remember to look at. Oikonome leads with the answer — delivered to your inbox — and backs it with deeper forecasting and import than apps costing twice as much.
01
Email-first core loop
On budget or over. One number for today. Price creep and odd charges called out. Retention without habit formation — no other consumer app makes this the product.
02
Yours, either way
$6.99/mo hosted, or run the entire product yourself for $0. Both run the identical app — hosted only adds connected-bank capacity and pricier data feeds.
03
Depth they skip
60-day cash forecast with card-payoff scenarios. Retirement replay against a century of real markets. Decades of import — Mint, Quicken, YNAB, CSV — not 90 days of API.
★ Only Oikonome
Daily verdict email as the core product loop — not a digests afterthought buried in settings.
★ Only Oikonome
Full-feature self-host and a hosted option. A subscription is a choice here, not a requirement.
★ Only Oikonome
Retirement sim with historical market replay — not a single rosy line chart pretending certainty.
★ Only Oikonome
Cash forecast that models statement vs full card payoff — the decision households actually make.
What makes it unique
It finds bills, suggests budgets, hints when things change — and envelopes that match real life.
Most apps dump a feed and a pie chart. Oikonome is a steward: it proposes structure, explains the verdict, and stays quiet when nothing interesting happened.
Auto bill find
It spots paychecks and bills — you approve.
After history lands (sync or import), Bills runs detection from real cadence and amounts. You get a queue of proposals — rent, utilities, subscriptions, paychecks — approve or reject each one. No typing every merchant by hand.
- Detected from your ledger, not a generic merchant list
- One-tap approve · reject noise · edit before commit
- Add as bill or envelope straight from a transaction
- Paid early? Occurrences show ✓ and stop reserving cash
Bills · proposed changes demo.oikonome.com
addenvelope
Petro Stop
4 monthly totals $104–$214 · last seen 07/02
$207.44approverejectaddenvelope
FuelCo Station
4 monthly totals $139–$297 · last seen 07/20
$163.50approverejectadd
Cedar Family Clinic
3 charges on a 182-day cycle · monthly ×6
$106.30approverejectadd
Rivermart Online
3 charges on a 7-day cycle · weekly
$103.90approverejectadd
Happy Paws Pet Supply
3 charges on a 91-day cycle · monthly ×3
$48.47approverejectAs seen in the live demo — synthetic household
When things change
Hints, drift, and suggestions — not silent wrong numbers.
Subscriptions hike. Categories need a nudge. The plan should explain itself. Oikonome surfaces change instead of hoping you notice.
- Amount drift — bill settles higher (Comcast $70→$80)? Auto-updates the bill + audit trail; hand-edits stay protected for 60 days
- Price creep & doubles — called out on Today and in the morning email
- Budget suggestions — “Suggest from history” uses a trailing 6‑month median; you approve each number
- Why you’re OVER — calm reasons and lens panes, not red-shouting noise
- Category overrides stick — fix once; future sync never undoes you
Alerts · history demo.oikonome.com
drift
StreamFest plan updated $13.99 → $15.99 (tracks recent amounts)
anomaly
First-ever charge from Grand Vista Hotel: $479.43 — verify you recognize it
anomaly
Possible double charge: FiberLink Internet $70.00 ×2 (08/24 + 08/25)
drift
City Power & Light plan updated $121.98 → $134.38
funding
$1,950 pulled from investments this month to cover spending — getting this to $0 is the goal
As seen in the live demo — synthetic household
Envelopes · monthly & annual
Caps for habits. Pools for lumpy life.
Not every cost is “$X every month.” Insurance, domains, vet bills, car repairs arrive in lumps. Oikonome envelopes do both shapes:
- Monthly envelope — cap a category/bill each calendar month; overflow becomes normal variable spend
- Annual envelope — one pool for the year (resets Jan 1); renewals don’t fake overspending in quiet months
- Envelopes sit in the plan and cash forecast — they don’t hijack the “on budget” verdict the wrong way
- Create from Bills or “Add as envelope” on a transaction
Budget · this month day 20 of 31 · demo.oikonome.com
As seen in the live demo — synthetic household
★ Smart verdict math
Variable spending only for OVER/UNDER. Bills live in the plan and forecast — paid rent doesn’t scream “over budget.”
★ The one number
Spend at most today = (budget − spent) ÷ days left. Heart of Today and the daily email.
★ Money map
Bars on one dollar scale: spent, still to come, bills awaiting due date. Overspend literally grows past the budget length.
★ Carve-out budgets
Food + Everything-else defaults, plus custom buckets you carve out — with history-based suggestions you approve.
★ Receipts that explain
Line items detail a charge; the total still rules the verdict. No mystery re-bucketing.
★ No double-count links
Two sources for one account? Healthiest wins; shadows keep syncing for failover without bloating totals.
Beta access opening soon
Beta invites open soon · no card · the demo needs no signup
What you get
Everything a serious household steward needs.
Not a half-built feed. Not a credit-score upsell. Auto bills, envelopes, Amazon vendor detail, community scripts, suggestions, hints, forecast depth, the morning email — and a public backlog you can request features on and vote for what lands next.
🔍
Auto bill find
Detects recurring bills and paychecks from your history. Approve or reject proposals — don’t rebuild your life from blank forms.
💡
Hints when things change
Amount drift, price creep, double charges, “why OVER” reasons, budget suggestions from history — you stay in control of every accept.
▤
Monthly & annual envelopes
Caps for monthly habits; year pools for insurance, domains, car care. Lumpy life stops faking overspending.
$
Priced to be kept
$6.99/mo · $69/yr hosted. Or self-host the full product for $0. A budgeting app shouldn’t be a line item you resent.
⎘
Import your whole life
Mint exports, Quicken, YNAB, OFX, any CSV. Decades of history in one ledger — so forecasts aren’t guessing from last month of bank API.
🗺️
Money map & plan
Shared-scale bars for spent vs still-to-come vs bills awaiting due date. Income, budgets, carve-outs, and savings in one Budget page.
🔔
Text & push alerts coming soon
Build the rules: email or push digests of transactions on your schedule, plus critical alerts (amount over X, double charge, unknown merchant) that fire at sync time. Self-hosted instances can send these as texts too. You’re not glued to the app.
🧾
Receipts & check photos
Snap a receipt (photo or PDF) — a vision model parses it, auto-crops and cleans it up, and files it on the transaction. Bank-check photos parse the payee, amount, and memo, then categorize themselves.
💬
Ask your money anything
A conversational assistant over your own ledger — “what did we spend on the kitchen remodel?” Answered locally. No financial data leaves your box.
👥
Yours · mine · ours
Tag accounts and transactions by household owner, then filter spending reports and net worth by person. Shared finances without losing whose is whose.
📜
Rules you can read
Every categorization rule is visible — yours, model-learned, and built-in — searchable with provenance. Edit or disable any learned rule; it becomes yours. No black-box auto-categorizer.
📱
Mobile apps on the roadmap
Native iOS and Android over the same API. Until then the web app works on your phone — and the daily email needs no app at all.
◉
60-day cash forecast depth
See whether cash runs out before it happens. Card-payoff scenarios (statement vs full balance) the big apps skip.
◈
Retirement historical replay only us
Replay your plan against a century of real market paths — not a single optimistic line chart pretending certainty.
⬡
Bank sync your way
SimpleFIN, BYO Plaid trial, CSV/OFX always. Aggregator-agnostic so self-hosters aren’t locked to our vendor.
◎
Zero telemetry · inspectable
Self-host stays dark. No ads, no selling data. Fair Source so you can read the code — trust you verify, not marketing claims.
🧩
Community scripts only us
Plug in host-side collectors for sources aggregators miss — Amazon orders, retirement CSVs, broker APIs. Credentials stay on your machine; scoped tokens push into the ledger. Amazon orders even expand the “AMAZON.COM” blob into line-items and categories.
Cash ahead
See the next 60 days before they happen.
Most apps show “what you spent.” Oikonome projects what you’ll have — including how you pay the card.
- Bills and income laid into a real calendar
- Statement-balance vs full-balance payoff paths
- “Never runs out” or the day it would — in plain English
Cash Flow · monthly + 90-day forecast demo.oikonome.com
━ actual (income − spend / mo)
┅ forecast — same engine as Today
As seen in the live demo — synthetic household
History that matters
Decades in. Not “last 90 days.”
Ex-Mint refugees don’t start from zero. Bring the archive. Forecasts and bill detection get smarter with real history.
- Mint, Quicken, YNAB, OFX, arbitrary CSV
- One private ledger across accounts and years
- Your data ownership is the default, not a setting
Spending · by year demo.oikonome.com
| Year | Spent | Txns |
|---|---|---|
| 2026 | $48,788 | 508 |
| 2025 | $85,378 | 893 |
| 2024 | $83,185 | 870 |
| 2023 | $82,548 | 887 |
| 2022 | $76,184 | 863 |
| 2021 | $76,136 | 865 |
| 2020 | $76,508 | 863 |
| 2019 | $73,672 | 835 |
| 2018 | $74,641 | 839 |
| 2017 | $74,859 | 858 |
| 2016 | $31,461 | 372 |
As seen in the live demo — synthetic household
It does the work
Price creep. Double charges. Strangers — flagged for you.
You shouldn’t have to audit every line. Oikonome watches recurring merchants, calls out what changed in the morning email today — and, coming soon, will push the ones you care about the second sync sees them.
- Recurring bills auto-detected · step-ups called out
- Duplicates and unfamiliar merchants flagged
- Push alerts you create — digests + critical rules coming soon
- Hourly refresh so alerts aren’t a day late
Beyond the bank API
Community scripts — bring any source yourself.
Some money lives outside Plaid: a retailer order history, a 401(k) CSV portal, a broker with a private API. Oikonome’s answer is a documented plug-in contract — not a closed scraper we own.
- Run the collector on your machine — credentials never leave your house
- Push via import hub, purpose-built endpoints, or self-host container exec
- Script tokens scope access so a broken script can’t own your whole account
- Examples in-repo: Amazon orders, a crypto exchange, a 401(k) portal
- Doctor watches heartbeats so a silent collector doesn’t go unnoticed
Built with you
Contribute. Request features. Vote on what gets added.
Oikonome is Fair Source and community-shaped — not a black-box roadmap decided in a private Slack. If you use it, you can steer it.
01
Request a feature
Open a GitHub issue with what you need and why. Bug reports, UX notes, and “I wish it did X” all count — we read them.
02
Vote on what ships
👍 react on issues you care about. Higher signal rises. The public issue list is the priority queue — you help pick what gets added next.
03
Contribute code & scripts
PRs welcome for product fixes and for community-scripts/ collectors others can run. Docs and tests land with the change — see CONTRIBUTING.
★ Public backlog
Feature ideas live as issues — searchable, linkable, voteable. No closed “we’ll think about it.”
★ Scripts are first-class
Ship a collector others need (Amazon, payroll portals, regional banks). The contract is documented so yours can be shared safely.
★ Self-hosters equal citizens
No feature gates. If it lands in the product, self-host gets it the same day as hosted.
★ Talk to the project
GitHub issues for bugs & features · PRs for code · security@ for vulnerabilities. One open surface.
How to plug in:
github.com/oikonome
· open an issue to request · 👍 to vote · PR to contribute ·
community-scripts/ for new data sources.
Honest comparison
How Oikonome stacks up.
We’re not “everything for everyone” — mobile is on next year’s roadmap, and that row is below with the rest. Judge for yourself.
Swipe the table — Copilot, Simplifi, and Actual (OSS) are in there too →
| Capability | Monarch | Copilot | Simplifi | Actual (OSS) | Oikonome |
|---|---|---|---|---|---|
| Price & ownership | |||||
| Hosted price / month | ~$10 | ~$8–10 | ~$6 | n/a | $6.99 |
| Self-host full product free | No | No | No | Yes | Yes · every feature |
| The daily loop | |||||
| Daily “are you on budget?” verdict email | No | No | No | No | Core loop ★ |
| “Spend at most today” number | No | No | Weak | No | Every morning ★ |
| Annual-pool envelopes (lumpy costs) | No | No | No | No | Yes ★ |
| Analysis depth | |||||
| Card payoff scenarios (statement vs full balance) | No | No | No | No | Yes ★ |
| Retirement sim · historical market replay | No | No | No | No | Yes ★ |
| Ask your ledger questions (AI assistant) | Cloud AI | Cloud AI | No | No | Local · data stays home ★ |
| Your history & data | |||||
| Import decades (Mint / Quicken / YNAB / CSV) | Limited | Limited | Limited | CSV | Deep import hub ★ |
| Bank sync options | Vendor locked | Vendor locked | Vendor locked | SimpleFIN | SimpleFIN · BYO Plaid · CSV |
| Zero product telemetry (self-host) | No | No | No | Yes | Dark by design ★ |
| Source available to inspect | No | No | No | OSS | Fair Source |
| Community · and where we’re honest about gaps | |||||
| Vote on what gets built | No | No | No | Discussions | 👍 on issues ★ |
| Native mobile apps | Yes | Yes | Yes | Partial | Y2 roadmap |
Competitor prices approximate and change often · ★ = unique or clear lead · The email loop is designed so you don’t need an app habit on day one.
Beta access opening soon
Beta invites open soon · no card · the demo needs no signup
Pricing
Self-host free. One hosted plan.
Two ways to run the same app, and no tiers in either. Self-host it free forever with your own aggregator keys, or let us run it for $6.99 a month. Hosted sells setup, backups and bank plumbing — never features.
Self-host
$0 / forever
Unlimited connections · your keys
- Every feature, no gates — same app as hosted
- Bank sync your way: SimpleFIN / BYO Plaid / CSV
- Investment holdings, liabilities, real net worth
- Business entities & Schedule C, kept separate
- Cash forecast · payoff scenarios · retirement replay
- Deep import hub (Mint / Quicken / YNAB / CSV)
- Daily verdict by email, push, or text
- Docker Compose · zero telemetry · Fair Source
Free forever, no strings — donations keep it that way.
Oikonome Hosted
$6.99 / mo · $69/yr
Up to 6 connected institutions
- Every feature, no gates — same app as self-host
- Bank, card, loan & investment sync, run by us
- Investment holdings, liabilities, real net worth
- Business entities & Schedule C, kept separate
- Cash forecast · payoff scenarios · retirement replay
- Deep import hub (Mint / Quicken / YNAB / CSV)
- Daily verdict by email and push
- We run it · managed backups · updates handled
No feature gates anywhere — the app is identical either way. Hosted is capped at 6 connected institutions, because bank connections are the one cost that scales with you. One connection = one bank, card, or brokerage login, however many accounts it holds. Outgrow the cap and you can self-host the whole thing free with your own aggregator. Nobody gets locked out of their own money. Alerts arrive by email and push; text alerts aren’t part of the hosted plan, since SMS bills per message, per person — self-host can send them with your own Twilio.
Trust
Finance apps earn this or they don’t.
Your data is yours
No ads. No selling data. Ever.
Self-host stays dark
Zero product telemetry by design.
Inspect the code
Fair Source · Apache after 2 years.
Built for a family
Real household tool, not growth theater.
We run it on our own money
Built for the founder’s household first — decades of real history, every morning.
FAQ
Straight answers.
How is this different from Monarch or Copilot?
They optimize for in-app engagement. We optimize for a morning email you can act on without opening an app, and ship cash-forecast, payoff, and retirement depth they skip — plus full self-host, which they don’t offer.
Why so inexpensive?
Because the economics allow it. Self-hosters carry their own costs, our categorization runs on bundled local models instead of metered APIs, and there’s no growth team to feed. $6.99/mo · $69/yr is a price we can keep — not an intro rate.
What does “auto bill find” actually do?
After sync or import, Oikonome scans cadence and amounts, then proposes recurring bills and paychecks. You approve or reject each proposal. When a subscription settles at a new amount, amount drift can update the bill automatically (with an audit entry). Hand-edited amounts stay protected.
Monthly vs annual envelopes?
Monthly caps a habit each calendar month (e.g. dining). Annual gives one pool for the year for lumpy costs (insurance, domains, car care) so renewals don’t look like overspending. Overflow past the pool still counts as normal variable spend — clean math.
What are hints and budget suggestions?
Hints surface price creep, doubles, and calm “why OVER” reasons. Budget suggest uses a trailing ~6‑month median per bucket; you approve each number before it sticks. Nothing silent-overwrites your plan.
How is this different from Actual Budget?
Actual is excellent envelope budgeting. We’re built around forecasting + the daily verdict + deep history import. Different job; many people use both kinds of tools for different reasons.
Is the free tier crippled?
No. Self-host is 100% of features, forever. Hosted sells convenience (we run servers, backups, bank plumbing), not locked features.
Why Fair Source, not MIT?
So you can self-host everything forever while the project stays sustainable. Commercial free-riding is restricted; after two years each release becomes Apache.
Do you have a mobile app?
Not yet — honest Y2 roadmap. The daily email is designed so you don’t need an app habit on day one. Web is first-class.
How do I get in?
Private beta is invite-only. Request access; we’ll email when a seat opens. Self-host from GitHub when you’re ready to run Docker yourself.
Can I try it before requesting access?
Yes — demo.oikonome.com is the real product running on a synthetic household: three years of history, bills mid-detection, an over-budget month to poke at. No signup, one click in, and everything resets on the hour. The screenshots on this page are taken from it.
Can I request features or vote on the roadmap?
Yes. File a feature request as a GitHub issue, 👍 react on the ones you want most, and open PRs when you can ship a fix. That public signal is how we prioritize what gets added next — not a private corporate backlog.
What are community scripts?
Host-side collectors you run yourself for data sources bank APIs miss
(Amazon order history, 401(k) CSVs, broker APIs, etc.). Credentials stay
on your machine; you push into Oikonome with scoped script tokens.
Example scripts and the contract live in the repo under
community-scripts/.
What does Amazon / vendor spend detail show?
The Spending report ranks merchants with total spend, visit count (so you can see average), and a monthly trend chart. When Amazon orders are synced via the community script, line-items and Amazon categories expand the single “Amazon.com” card charge into what you actually bought.
Get the morning email about your money.
One plan · $6.99/mo · $69/yr · or self-host free forever.
Beta invites open soon · no card · the demo needs no signup