Self-Host Maybe: Open Source Personal Finance OS & Wealth Management Platform
What is Maybe Finance?
Maybe is a revolutionary open-source personal finance operating system designed to give you complete control over your financial life. Built by a dedicated team with an active community, Maybe combines modern design with powerful wealth tracking, investment analysis, and financial planning tools. This self-hosted alternative to Personal Capital, Mint, and YNAB offers enterprise-grade financial management without monthly fees or data privacy concerns.
Key Features of Maybe Personal Finance Platform
💰 Comprehensive Wealth Tracking
- Net Worth Monitoring: Real-time tracking of assets, liabilities, and net worth trends
- Investment Portfolio: Complete investment tracking with performance analytics
- Account Aggregation: Connect bank accounts, credit cards, and investment accounts
- Multi-Currency Support: Global portfolio management with automatic currency conversion
📊 Advanced Financial Analytics
- Performance Metrics: Detailed analysis of investment returns and portfolio allocation
- Cash Flow Analysis: Income vs expenses tracking with category breakdowns
- Goal Setting: Financial goal tracking with progress monitoring and projections
- Historical Reporting: Long-term financial trend analysis and reporting
🔒 Privacy & Security Focused
- Self-Hosted Deployment: Complete control over your sensitive financial data
- Bank-Level Encryption: Military-grade security for all financial information
- No Data Sharing: Your financial data never leaves your infrastructure
- Open Source Transparency: Auditable codebase with community security reviews
🎨 Modern User Experience
- Beautiful Interface: Clean, intuitive design focused on usability
- Mobile Responsive: Full functionality across desktop, tablet, and mobile devices
- Dark/Light Themes: Customizable interface themes for different preferences
- Real-Time Updates: Live data synchronization and instant financial insights
Why Choose Maybe Over Commercial Alternatives?
Maybe vs Personal Capital/Empower ($10-30/month)
Feature | Maybe (Self-Hosted) | Personal Capital |
---|---|---|
Monthly Cost | Free & Open Source | $10-30/month |
Data Privacy | ✅ Complete Control | ❌ Shared & Monetized |
Account Limits | ✅ Unlimited | ❌ Limited by Tier |
Customization | ✅ Full Source Access | ❌ Fixed Features |
Ads/Upselling | ✅ None | ❌ Constant Promotions |
Data Portability | ✅ Always Yours | ❌ Platform Locked |
Maybe vs Mint (Discontinued but Similar Apps)
- Longevity: Self-hosted solution vs dependency on company decisions
- Advanced Features: Investment analysis and wealth tracking vs basic budgeting
- No Advertisements: Clean interface vs ad-supported model
- API Access: Full programmatic control vs limited third-party access
Maybe vs YNAB ($99/year)
- Investment Tracking: Comprehensive portfolio management vs budget-only focus
- Net Worth Analysis: Complete wealth picture vs expense tracking only
- Multi-Account Types: All financial accounts vs primarily spending accounts
- Cost Model: One-time setup vs recurring annual subscription
Quick Deployment Options
Option 1: Docker Compose (Recommended)
Perfect for users wanting complete control and privacy.
# Clone Maybe repository
git clone https://github.com/maybe-finance/maybe.git
cd maybe
# Set up environment variables
cp .env.example .env
# Edit .env with your configuration
# Deploy with Docker Compose
docker-compose up -d
Docker Configuration:
version: '3.8'
services:
maybe:
image: ghcr.io/maybe-finance/maybe:latest
ports:
- "3000:3000"
environment:
- DATABASE_URL=postgresql://user:pass@db:5432/maybe
- SECRET_KEY_BASE=your_secret_key
depends_on:
- db
volumes:
- maybe_data:/app/storage
db:
image: postgres:15
environment:
- POSTGRES_USER=maybe_user
- POSTGRES_PASSWORD=secure_password
- POSTGRES_DB=maybe_production
volumes:
- postgres_data:/var/lib/postgresql/data
Option 2: Railway One-Click Deploy
Ideal for users wanting managed hosting with automatic scaling.
Benefits:
- Managed Database: PostgreSQL database included and managed
- Auto-Scaling: Handles traffic increases automatically
- Custom Domain: Free HTTPS certificates with custom domain support
- Zero DevOps: No server maintenance or updates required
Option 3: Manual Installation
For advanced users requiring maximum customization.
# System requirements: Ruby 3.2+, Node.js 18+, PostgreSQL 15+
# Clone and setup
git clone https://github.com/maybe-finance/maybe.git
cd maybe
# Install dependencies
bundle install
npm install
# Database setup
rails db:create
rails db:migrate
rails db:seed
# Start application
rails server
Getting Started with Maybe Finance
Initial Setup Process
- Deploy Instance: Choose your preferred deployment method above
- Create Admin Account: Set up the primary user account with secure credentials
- Configure Security: Enable two-factor authentication and set up backup codes
- Connect Accounts: Link bank accounts, credit cards, and investment accounts
Essential Configuration Steps
- Account Integration: Set up bank and investment account connections
- Category Setup: Customize expense categories and income sources
- Goal Configuration: Define financial goals with target amounts and timelines
- Notification Settings: Configure alerts for transactions, goals, and performance
- Backup Strategy: Set up regular database backups for data protection
Advanced Features Setup
- Investment Analysis: Configure portfolio benchmarks and performance metrics
- Cash Flow Forecasting: Set up income and expense projections
- Tax Planning: Organize accounts for tax optimization and reporting
- Family Sharing: Set up additional user accounts for family financial management
Popular Use Cases
Individual Wealth Management
- Retirement Planning: Track 401k, IRA, and investment account performance
- Debt Payoff: Monitor mortgage, student loans, and credit card balances
- Emergency Fund: Track savings goals and emergency fund adequacy
- Investment Analysis: Analyze portfolio allocation and rebalancing needs
Family Financial Planning
- Joint Account Management: Shared visibility into family financial picture
- Education Savings: Track 529 plans and education funding progress
- Budget Coordination: Collaborative budgeting and expense management
- Financial Goal Sharing: Family financial goals and milestone tracking
High Net Worth Individuals
- Multi-Asset Tracking: Real estate, investments, business assets, and collectibles
- Tax Optimization: Asset allocation across taxable and tax-advantaged accounts
- Estate Planning: Comprehensive asset inventory for estate planning purposes
- Performance Benchmarking: Portfolio performance vs market benchmarks
Security & Privacy Benefits
Data Sovereignty
- Complete Control: Your financial data remains on your servers
- No Third-Party Access: Eliminate risks from data breaches at financial companies
- Regulatory Compliance: Meet GDPR, CCPA, and other privacy regulations
- Audit Trail: Complete visibility into who accesses your financial data
Enterprise-Grade Security
- Encryption: End-to-end encryption for all financial data transmission
- Access Controls: Role-based permissions and multi-factor authentication
- Regular Updates: Community-driven security patches and improvements
- Penetration Testing: Open source codebase allows for security auditing
Maybe Finance Community
- GitHub Stars: 30,000+ stars with active development
- Community Support: Discord server and GitHub discussions
- Regular Updates: Monthly releases with new features and improvements
- Contributor Friendly: Well-documented codebase for community contributions
- Professional Support: Commercial support options available for enterprises
Transform your financial management with Maybe - the open-source alternative that puts you in complete control of your financial data and wealth tracking.