# Maybe — Open Source Personal Finance Manager

> Maybe is an open-source personal finance app for tracking net worth, investments, spending, and budgets with bank syncing and self-hosting support.

## Install

Save in your project root:

## Quick Use

```bash
git clone https://github.com/maybe-finance/maybe.git
cd maybe
cp .env.example .env
docker compose up -d
```

Open `http://localhost:3000` — create an account and start tracking your finances.

## Intro

**Maybe** is an open-source personal finance app that helps you track net worth, investments, spending, and budgets in one place. Originally a funded startup that shut down, the team open-sourced the entire codebase, and the community has since grown it into one of the most popular finance tools on GitHub.

With 54K+ GitHub stars and AGPL-3.0 license, Maybe provides a beautiful, self-hosted alternative to Mint, YNAB, and other personal finance apps — with full control over your financial data.

## What Maybe Does

Maybe provides comprehensive personal finance management:

- **Net Worth Tracking**: See all accounts (bank, investment, crypto, property, vehicles) in one dashboard
- **Investment Portfolio**: Track stocks, ETFs, mutual funds with real-time market data
- **Spending Analysis**: Categorize transactions automatically with spending breakdowns by category, merchant, and time period
- **Budget Management**: Set monthly budgets by category and track spending against goals
- **Bank Syncing**: Connect bank accounts via Plaid for automatic transaction import
- **Multi-Currency**: Support for multiple currencies with automatic conversion
- **Data Import**: Import from CSV, Mint exports, or manual entry
- **Self-Hosted**: Complete control over your financial data — nothing leaves your server

### Tech Stack

| Component | Technology |
|-----------|-----------|
| Backend | Ruby on Rails 7 |
| Frontend | Hotwire (Turbo + Stimulus) |
| Database | PostgreSQL |
| Background Jobs | Sidekiq + Redis |
| Market Data | Synth API |
| Bank Sync | Plaid |
| Deploy | Docker, Render, Railway |

### Docker Deployment

```bash
git clone https://github.com/maybe-finance/maybe.git
cd maybe
cp .env.example .env

# Edit .env with your settings:
# - SECRET_KEY_BASE (generate with: openssl rand -hex 64)
# - PLAID credentials (optional, for bank syncing)
# - SYNTH_API_KEY (optional, for market data)

docker compose up -d
```

### Key Environment Variables

```env
# Required
SECRET_KEY_BASE=your_secret_key
DB_HOST=postgres

# Optional — Bank Syncing
PLAID_CLIENT_ID=your_plaid_id
PLAID_SECRET=your_plaid_secret

# Optional — Market Data
SYNTH_API_KEY=your_synth_key
```

## FAQ

**Q: Is Maybe free?**
A: Yes. The self-hosted version is completely free under AGPL-3.0. The team also offers a hosted version at maybe.co.

**Q: Can I import data from Mint?**
A: Yes. Maybe supports CSV import including Mint export format, so you can migrate your transaction history.

**Q: Do I need Plaid for bank syncing?**
A: Plaid is optional. Without it, you can manually add accounts and import transactions via CSV. With Plaid, transactions sync automatically.

**Q: Is my financial data secure?**
A: With self-hosting, your data never leaves your server. The app uses encrypted connections and follows security best practices.

**Q: What market data does Maybe use?**
A: Maybe uses the Synth API for stock prices and market data. You can get a free API key from synthfinance.com.

## Source & Thanks

- GitHub: [maybe-finance/maybe](https://github.com/maybe-finance/maybe) — 54K+ ⭐ | AGPL-3.0
- Website: [maybe.co](https://maybe.co)
- Docs: [github.com/maybe-finance/maybe/wiki](https://github.com/maybe-finance/maybe/wiki)

<!-- ZH -->

## 快速使用

```bash
git clone https://github.com/maybe-finance/maybe.git
cd maybe
cp .env.example .env
docker compose up -d
```

打开 `http://localhost:3000`，创建账号即可开始追踪你的财务状况。

## 简介

**Maybe** 是一个开源个人财务应用，帮助你在一个地方追踪净资产、投资、支出和预算。最初是一家获得融资的创业公司，关闭后团队将整个代码库开源，社区已将其发展为 GitHub 上最受欢迎的财务工具之一。

拥有 54K+ GitHub 星标和 AGPL-3.0 许可证，Maybe 提供了 Mint、YNAB 等个人财务应用的自托管替代方案，让你完全掌控财务数据。

## 核心功能

- **净资产追踪**：在一个仪表盘中查看所有账户（银行、投资、加密货币、房产、车辆）
- **投资组合**：追踪股票、ETF、共同基金，提供实时市场数据
- **支出分析**：按类别、商户和时间段自动分类交易并展示支出明细
- **预算管理**：按类别设置月度预算并追踪支出目标
- **银行同步**：通过 Plaid 连接银行账户，自动导入交易
- **数据导入**：支持 CSV、Mint 导出格式或手动输入

## 常见问题

**Q: Maybe 免费吗？**
A: 是的。自托管版本在 AGPL-3.0 许可下完全免费。

**Q: 可以从 Mint 导入数据吗？**
A: 可以。Maybe 支持 CSV 导入，包括 Mint 导出格式。

**Q: 我的财务数据安全吗？**
A: 自托管模式下，你的数据永远不会离开你的服务器。

## 来源与致谢

- GitHub: [maybe-finance/maybe](https://github.com/maybe-finance/maybe) — 54K+ ⭐ | AGPL-3.0
- 官网: [maybe.co](https://maybe.co)

---
Source: https://tokrepo.com/en/workflows/f9427ff9-3474-11f1-9bc6-00163e2b0d79
Author: AI Open Source