# 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 the content below to `.claude/skills/` or append to your `CLAUDE.md`:

## 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 -->

## 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.

## Introduction

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

With 54K+ GitHub stars and AGPL-3.0 licensing, Maybe offers a self-hosted alternative to apps like Mint and YNAB, giving you complete control over your financial data.

## Core Features

- **Net worth tracking**: See all accounts (banks, investments, crypto, real estate, vehicles) in one dashboard
- **Investment portfolio**: Track stocks, ETFs, and mutual funds with real-time market data
- **Spending analysis**: Auto-categorize transactions and break down spending by category, merchant, and time period
- **Budget management**: Set monthly budgets per category and track spending goals
- **Bank sync**: Connect bank accounts via Plaid for automatic transaction import
- **Data import**: Supports CSV, Mint export format, or manual entry

## FAQ

**Q: Is Maybe free?**
A: Yes. The self-hosted version is completely free under the AGPL-3.0 license.

**Q: Can I import data from Mint?**
A: Yes. Maybe supports CSV import, including the Mint export format.

**Q: Is my financial data safe?**
A: When self-hosted, your data never leaves your server.

## Source & Thanks

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

---
Source: https://tokrepo.com/en/workflows/maybe-open-source-personal-finance-manager-f9427ff9
Author: AI Open Source