FinanzPilot

Self-hosted personal finance web application. Track income, expenses, bank imports, recurring transactions, loans, and get AI-powered insights — all without relying on third-party SaaS.

Privacy-first AI. Point an LLM at your finances without handing over your bank statements: everything is anonymized to percentages of income before it leaves the app — no absolute amounts, no counterparty names, no identifiers. Or run it fully offline with a local Ollama model, so nothing leaves your machine at all.

Features

• Dashboard — Income vs. expenses, category breakdown, balance trends, account overview
• Transaction tracking — Manual entry and CSV import (Sparkasse, PayPal, generic CSV)
• Smart categorization — Self-learning rule engine that improves with each manual categorization
• Multiple accounts — Track checking, savings, credit card, and cash accounts separately
• Recurring transactions — Templates with auto-generation for rent, salary, subscriptions, plus automatic detection of recurring payments from your imports
• Budgets — Per-category monthly budgets with an envelope-style view of spent vs. remaining
• Loan management — Bank loans with amortization schedules, informal debt tracking
• Excel export — German-formatted .xlsx files for tax advisors
• AI insights — Privacy-first financial analysis (data is anonymized before sending)
• MCP server — Query your finances from Claude Code or Claude Desktop

More screenshots

Transactions

Accounts

Recurring Transactions

Loans

AI Insights

Tech Stack

• Backend: Laravel 13 + PHP 8.4
• Frontend: Vue 3 + Inertia.js + PrimeVue + Tailwind CSS
• Database: SQLite (single-file backup)
• Charts: ApexCharts
• Deployment: Docker Compose (nginx + PHP-FPM)

Quick Start

git clone https://github.com/tschaefermedia/FinanzPilot.git
cd FinanzPilot
cp .env.example .env
docker compose build
docker compose up -d
docker compose exec php composer install --no-dev --optimize-autoloader
docker compose exec php php artisan key:generate
docker compose exec php php artisan migrate --force
docker compose exec php php artisan db:seed --force

Open http://localhost in your browser.

Documentation

See DEPLOYMENT.md for the full deployment guide including:

• Environment configuration
• Backup & restore
• MCP server setup
• Recurring transaction scheduler
• Updating

AI Configuration

FinanzPilot supports multiple AI providers (configured in Settings):

• Claude (Anthropic API)
• OpenAI / OpenAI-compatible APIs
• Ollama (local, fully offline)

All financial data is anonymized before sending — no absolute amounts, no counterparty names.

License

MIT