🔔
Push & email alerts
The daily verdict — and every digest — arrives by email or push, on the cadence you choose: daily, weekly, monthly, or annual. You’re not glued to the app.
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. Self-host free with no feature gates, ever — or support the project and run on our managed instance.
No card for the trial · $6.99/mo or $69/yr after · cancel anytime, unused time refunded · the demo needs no signup
Prefer to self-host? Quick start on GitHub — the full app, free.
No feature gates — self-host is the full app
Email or push, your cadence
iOS & Android
Fair Source — read the code
Oikonome <[email protected]>
to me · 7:02 AM
🟢 Under budget — 09/11/26: $80 since yesterday
Under budget $389 ahead · day 11 of 30
$90to spend today
Food $70 · everything else $20
Food $70 · everything else $20
Cash ahead$5,235 after cards & bills
WatchDining out over today by $60
That’s the whole email. Open it, know where you stand, get on with your day — by email or push, on the cadence you choose.
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.
The email is the product
On budget or over. One number for today. Price creep and odd charges called out — not a digest afterthought buried in settings. No other consumer app makes this the core loop.
Yours, either way
Run the entire product yourself for $0, or support the project on the managed instance. Both run the identical app — a subscription is a choice here, not a requirement.
Depth they skip
Cash forecast that models statement vs full card payoff — the decision households actually make. Retirement replay against a century of real markets, not one rosy line chart.
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
$207.44approverejectadd
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
Left to spend today, per category — fixed each midnight, spent down in full. The heart of Today and the morning 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.
Honest comparison
How Oikonome stacks up.
We’re not “everything for everyone” — the rows below are the ones we think matter. Judge for yourself.
Swipe the table — Copilot, Simplifi, and Actual (OSS) are in there too →
| Capability | Monarch | Copilot | Simplifi | Actual (OSS) | Oikonome |
|---|---|---|---|---|---|
| Price & ownership | |||||
| Price, billed monthly | $14.99 | $13 | annual only | n/a | $6.99 |
| Price, billed yearly | $99.99 | $95 | $71.88 | n/a | $69 |
| 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 | |||||
| Vote on what gets built | No | No | No | Discussions | 👍 on issues ★ |
| Native mobile apps | Yes | Yes | Yes | Partial | iOS & Android |
Competitor prices are their published standard (non-promotional) rates, checked 09/2026 · ★ = unique or clear lead.
No card for the trial · $6.99/mo or $69/yr after · 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.
🧾
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
iOS and Android over the same API — and the daily email needs no app at all, so the signal reaches you either way.
◈
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, CSV/OFX always. Aggregator-agnostic so self-hosters aren’t locked to our vendor.
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 |
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 and calls out what changed in the morning email — by email or push, on the cadence you choose.
- Recurring bills auto-detected · step-ups called out
- Duplicates and unfamiliar merchants flagged
- Push digests on your schedule — daily, weekly, monthly, or annual
- 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. The flagship example, below: the Amazon collector splits every “Amazon.com” charge into the items you actually bought, each auto-filed into its budget bucket.
- 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
- In-repo: Amazon item-level orders, a crypto exchange, a 401(k) portal
- Doctor watches heartbeats so a silent collector doesn’t go unnoticed
One card charge → what you actually bought Amazon collector · community-scripts/
AMZN Mktp US·2K47R3
-$86.97
card charge · 08/12/26 · what every other finance app shows you
| Item | Amazon category | Budget bucket · auto | Price |
|---|---|---|---|
| Purina Pro Plan dog food, 24 lb | Pet Supplies | Pets | -$42.99 |
| Furnace filters 16×25×1, 4-pack | Home & Kitchen | Home | -$24.49 |
| USB-C charging cable, 2-pack | Electronics | Electronics | -$13.99 |
| Kids’ watercolor set | Toys & Games | Kids | -$5.50 |
Line-items and categories sync nightly from your own order history — credentials never leave your machine.
Budget buckets are assigned automatically; one click re-files anything.
Subscribe & Save shows up as the recurring bill it really is.
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.
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 and push
- Docker Compose · zero telemetry · Fair Source
Free forever, no strings — donations keep it that way.
Oikonome Hosted
$6.99/mo or $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 card to start · then $6.99/mo or $69/yr · cancel anytime from Settings, unused time refunded by the day.
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 on both plans.
Trust
Trust is earned in the code, not the copy.
The whole app is public on GitHub — read how your data is handled, then decide. No ads, no data sales, no telemetry on self-host, and your export is one click, always.
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.
We run it on our own money
Built for the founder’s household first — decades of real history, every morning. Not growth theater.
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 self-host limited?
No. Self-host is 100% of features, forever. Hosted sells convenience (we run servers, backups, bank plumbing), not locked features.
Why is the price different in the App Store?
Subscribing inside the iOS app goes through Apple, and Apple’s platform fee is added on top — so the in-app price is higher than the web price. $6.99/mo or $69/yr at oikonome.com/pricing is the canonical price; subscribe on the web and sign in to the app with the same account. The Android app sells nothing — it signs in to a web subscription. And self-host is free, same software.
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?
Yes — iOS and Android, over the same API as the web app. And the daily email needs no app at all, so the morning signal reaches you before you’ve opened anything.
How do I start?
Create an account at app.oikonome.com — the first 30 days are free and we don’t ask for a card. After that it’s $6.99/mo or $69/yr, cancel anytime with the unused part refunded. Or self-host from GitHub when you’re ready to run Docker yourself.
Can I try it before signing up?
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 product panes on this page are drawn 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.
No card for the trial · $6.99/mo or $69/yr after · cancel anytime, unused time refunded · the demo needs no signup