# Alternatives to KMyMoney

KDE's personal finance.

KMyMoney ranks #7 of 14 in Budgeting apps, with an Alt Score of 68. It is licensed under GPL-2.0, free and available on Windows, macOS and Linux. 9 of 10 checklist rows are verified against a public source.

Source: https://altcatalog.com/alternatives/kmymoney/
Category: Budgeting apps

## Where KMyMoney stands out

- **Local-only data option** — 5 of 10 apps with a verified answer have this

## Overview

- **Who it's for**: KMyMoney is for individuals and households who want to track their personal finances using proper double-entry accounting, without paying for commercial software like Quicken. It suits users comfortable with basic accounting concepts (accounts, categories, reconciliation) who want more rigor than a simple budgeting app.
- **What you get**: KMyMoney provides double-entry bookkeeping across checking, savings, credit card, cash, loan, and investment accounts. It includes budgeting tools, bank reconciliation, scheduled/recurring transactions, split transactions, multi-currency support, and a reporting engine with charts for spending, income, and net worth. Data can be imported from QIF, OFX/QFX, and CSV files, and some banks support direct online statement download via HBCI/FinTS or OFX DirectConnect.
- **How it works**: You set up accounts and a category list, then enter or import transactions, splitting and assigning them to categories as needed. Periodically you reconcile accounts against bank statements, and use built-in reports and budgets to review spending and net worth over time.

## Profile

- **License**: GPL-2.0 (verified 2026-07-11)
- **Pricing model**: Free (verified 2026-07-11)
- **Starts at**: ?
- **Platforms**: Windows, macOS, Linux
- **Status**: active (verified 2026-07-11)

## Ranked alternatives

| # | App | Alt Score | Licence | Platforms |
|---|-----|-----------|---------|-----------|
| 1 | [Lunch Money](https://altcatalog.com/alternatives/lunch-money.md) | 86 | Proprietary | Web, iOS, Android |
| 2 | [Quicken](https://altcatalog.com/alternatives/quicken.md) | 82 | Proprietary | Windows, macOS |
| 3 | [Simplifi](https://altcatalog.com/alternatives/simplifi.md) | 82 | Proprietary | Web, iOS, Android |
| 4 | [Actual Budget](https://altcatalog.com/alternatives/actual-budget.md) | 78 | MIT | Windows, macOS, Linux, Web |
| 5 | [YNAB](https://altcatalog.com/alternatives/ynab.md) | 73 | Proprietary | Web, iOS, Android |
| 6 | [GnuCash](https://altcatalog.com/alternatives/gnucash.md) | 68 | GPL-2.0 | Windows, macOS, Linux |
| 7 | [PocketGuard](https://altcatalog.com/alternatives/pocketguard.md) | 68 | Proprietary | ? |
| 8 | [Goodbudget](https://altcatalog.com/alternatives/goodbudget.md) | 64 | Proprietary | iOS, Android, Web |
| 9 | [Monarch Money](https://altcatalog.com/alternatives/monarch-money.md) | 64 | Proprietary | Web, iOS, Android |
| 10 | [Copilot Money](https://altcatalog.com/alternatives/copilot-money.md) | 60 | Proprietary | macOS, iOS, Web |
| 11 | [EveryDollar](https://altcatalog.com/alternatives/everydollar.md) | 60 | Proprietary | Web, iOS, Android |
| 12 | [Firefly III](https://altcatalog.com/alternatives/firefly-iii.md) | 60 | AGPL-3.0 | Web |
| 13 | [HomeBank](https://altcatalog.com/alternatives/homebank.md) | 60 | GPL-2.0 | Windows, macOS, Linux |

Alt Score = Verified coverage (90%) + Visibility (10%). See https://altcatalog.com/how-alt-score-works/

## Feature comparison

Legend: Yes / No / Partial / ? (not verified).

| Budgeting apps checklist | KMyMoney | Lunch Money | Quicken | Simplifi | Actual Budget | YNAB |
|---|---|---|---|---|---|---|
| Pricing model | Free | Subscription | Subscription | Subscription | Free | Subscription |
| Starts at | ? | $100/year | $3.49/month | $2.99/month | ? | $109/year |
| License | GPL-2.0 | Proprietary | Proprietary | Proprietary | MIT | Proprietary |
| Platforms | Windows, macOS, Linux | Web, iOS, Android | Windows, macOS | Web, iOS, Android | Windows, macOS, Linux, Web | Web, iOS, Android |
| Bank sync (regions) | Partial | Yes | Yes | Yes | Partial | Yes |
| Manual entry mode | Yes | Yes | Yes | Yes | Yes | Yes |
| Envelope / zero-based budgeting | No | Partial | No | Yes | Yes | Yes |
| Investment tracking | Yes | Yes | Yes | Yes | Partial | No |
| Multi-currency | Yes | Yes | Yes | No | Partial | No |
| Shared budgets | ? | Yes | Partial | Yes | Yes | Yes |
| Reports & net worth | Yes | Yes | Yes | Yes | Yes | Yes |
| CSV import | Yes | Yes | Yes | Yes | Yes | Yes |
| Local-only data option | Yes | ? | Partial | No | Yes | ? |
| Subscription price | No | Yes | Yes | Yes | No | Yes |

## Sources

Sources for KMyMoney. Each alternative is sourced on its own page.

- **License**: GPL-2.0 — <https://apps.kde.org/kmymoney/> (verified 2026-07-11)
  - Quote: “GPL-2.0+”
- **Pricing model**: Free — <https://apps.kde.org/kmymoney/> (verified 2026-07-11)
  - Quote: “KMyMoney is a personal finance manager by KDE. It comes with a large set of features while being easy to use for the non-technical user.”
- **Platforms**: Windows, macOS, Linux — <https://kmymoney.org/download.html> (verified 2026-07-11)
  - Quote: “DMG packages signed by KDE can be downloaded from KDE's CI/CD pipeline.”
- **Status**: active — <https://flathub.org/apps/org.kde.kmymoney> (verified 2026-07-11)
  - Quote: “Changes in version 5.2.2”
- **Bank sync (regions)**: Partial — <https://apps.kde.org/kmymoney/> (verified 2026-07-11)
  - Quote: “Online banking support (statement download) is also provided for the OFX and HBCI protocols.”
- **Manual entry mode**: Yes — <https://kmymoney.org/screenshots.html> (verified 2026-07-11)
  - Quote: “By default the ledger uses a transaction form for data entry similar to MS Money.”
- **Envelope / zero-based budgeting**: No — <https://docs.kde.org/stable_kf5/en/kmymoney/kmymoney/details.budgets.html> (verified 2026-07-11)
  - Quote: “A budget is a categorized list of expected income and expenses for a period.”
- **Investment tracking**: Yes — <https://kmymoney.org/screenshots.html> (verified 2026-07-11)
  - Quote: “You can track basic investments like Stocks, Bonds, and Mutual funds.”
- **Multi-currency**: Yes — <https://docs.kde.org/stable_kf5/en/kmymoney/kmymoney/details.currencies.html> (verified 2026-07-11)
  - Quote: “KMyMoney supports the use of multiple currencies in different accounts. For example, you can set up a savings account in Euros, a checking account in British Pounds, and still have your credit card ac”
- **Reports & net worth**: Yes — <https://docs.kde.org/stable_kf5/en/kmymoney/kmymoney/details.reports.html> (verified 2026-07-11)
  - Quote: “detail your net worth, either at the current moment, every month for the current year, or every year of your history.”
- **CSV import**: Yes — <https://docs.kde.org/stable_kf5/en/kmymoney/kmymoney/details.impexp.csv.html> (verified 2026-07-11)
  - Quote: “The initial focus of the CSV Importer was on handling data from bank statements, but the ability to also import some investment statements was added.”
- **Local-only data option**: Yes — <https://docs.kde.org/trunk_kf6/en/kmymoney/kmymoney/details.formats.html> (verified 2026-07-11)
  - Quote: “All of the above file types can be stored on a local hard drive, a removable device such as a usb thumb drive, or a network location.”
- **Subscription price**: No — <https://apps.kde.org/kmymoney/> (verified 2026-07-11)
  - Quote: “KMyMoney is a personal finance manager by KDE. It comes with a large set of features while being easy to use for the non-technical user.”

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Ranked by verified data, never by who paid. https://altcatalog.com/trust/