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Self-hosted alternative to Claude and ChatGPT Personal Finance. An AI agent that manages your budget and investments, and can place trades.
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open-net-worth is an open-source ai agents skill for AI coding assistants such as Claude Code, Codex CLI, and ChatGPT, built by open-net-worth-ai. Self-hosted alternative to Claude and ChatGPT Personal Finance. An AI agent that manages your budget and investments, and can place trades. It has 189 GitHub stars.
open-net-worth's catalog security scan is still queued. You can run an instant dependency and prompt-injection check now with the "Scan for vulnerabilities" button above.
Clone the repository with "git clone https://github.com/open-net-worth-ai/open-net-worth" and add it to your Claude Code skills directory (see the Installation section above).
open-net-worth is primarily written in Python. It is open-source under open-net-worth-ai on GitHub, so you can review or fork the full source.
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An open-source agent harness for personal finance. A real multi-currency ledger, budgets, and investments — plus an AI that can actually read and change them, not just talk about them. Self-hosted, on a machine you control.
Most personal-finance apps that added AI let it describe your data. Open Net Worth is built the other way round: the ledger, the budget, and the investment book are the substrate, and the assistant (Lucius) is an agent operating them through a registry of real tools — the same guarded write paths the UI uses.
| Chatbot bolted onto an app | An agent harness | |
|---|---|---|
| What the AI touches | a summary of your data | the ledger itself, through real write tools |
| When it's wrong | you find out later | a confirm card shows the change before it lands |
| What it can do | answer | act, on a schedule, unattended if you allow it |
| Extending it | wait for the vendor | connect an MCP server and it gains tools |
Every tool carries a permission level — always_allow, needs_approval (the default), or
blocked — enforced at dispatch for every tool in the app.
Nothing leaves your machine except the calls you explicitly configure (an AI provider, a price feed, an optional connector), and there is no telemetry. The one exception is a problem report you choose to send: you read it first, and it goes only when you press Send.
| Ledger | Every account you own or owe, in any currency: banks, cards, loans, investments, retirement. Transfers, splits, reconcile, and statement import with a review step before anything books. |
| Budget | Zero-based envelopes (Ready to Assign, targets, credit card payments) or a simple 50/30/20 split, plus a cash flow projection. |
| Investments | Holdings, buys, sales, dividends, lots and realized gains, options, RSU and other equity grants, watchlists and price alerts. |
| Planning | Big dated commitments and how each is funded, and a retirement outlook: the odds your money lasts and the age you could retire. |
| Lucius | The AI agent on every screen. He works your real book through real tools: logs and sorts transactions, reconciles accounts, builds reports. Connect an MCP server and he acts in other apps too, like placing a trade with your broker. You choose what he does on his own and what he asks you first. |
| Automations | Jobs Lucius runs on a schedule or when something happens: a daily briefing, a weekly report, a bank sync, logging purchases from email. |
| Skills and memory | Saved playbooks he follows for a job (built in, or your own), and facts he remembers about you between conversations. |
| Connectors | Bank and broker sync (SimpleFIN, Plaid, Enable Banking, Lunch Flow, Alpaca, Interactive Brokers), YNAB, Lunch Money, your mailbox, Telegram, web search, and any MCP server. |
| Your AI | An API key (Anthropic, OpenAI or any OpenAI-compatible endpoint, including a local model), or the Claude Code, Codex or Antigravity sign-in you already have. Other AI apps can use your book too, through onw mcp. |
Yes, if you want to self-host your own finances, you're comfortable running a small app on your own machine or a server you control, and you'd rather have an AI agent do the work (categorize a transaction, reconcile an account, explain a swing in net worth, act in the apps you connect) than just chat about screenshots of it.
Not yet, if you need a polished, install-and-forget consumer product, multi-user or family accounts, or mobile apps.
.deb). It bundles its own Python, so nothing else needs installing. Intel Macs and arm64
Linux have no desktop build yet; what differs on Windows is listed in
docs/WINDOWS.md.Download it from opennetworth.ai, or from the public releases page:
| Platform | Download | Terminal install |
|---|---|---|
| macOS (Apple Silicon; signed and notarized DMG) | opennetworth.ai/download/mac | curl -fsSL https://opennetworth.ai/install.sh | sh |
| Windows 10/11 x64 (installer) | opennetworth.ai/download/windows | irm https://opennetworth.ai/install.ps1 | iex (PowerShell) |
Linux x86_64 (AppImage, or .deb from the releases page) |
opennetworth.ai/download/linux | curl -fsSL https://opennetworth.ai/install.sh | sh |
The Windows installer is not code-signed yet, so SmartScreen may show a warning: choose
More info → Run anyway. install.ps1 verifies the download against the release's
SHA256SUMS; add -RequireSigned to refuse an unsigned installer. install.sh verifies the same
checksum before it installs anything. The macOS and Windows apps update themselves in place;
a Linux AppImage replaces itself after checking its SHA-256, and a .deb points you to the
releases page.
Then follow the first-run screen: it asks where your book lives (a local folder, or an existing
server), creates your login, picks a base currency, and hands off to Lucius to add your first
account. Your data defaults to ~/.open-net-worth/, outside the app, so updating or reinstalling
never touches it. See the
desktop guide for background mode, start at login, watched
folders and keyboard shortcuts.
1. Install it. You don't need Python or Node.js on your system. This is for macOS and Linux; on Windows, follow these steps instead.
curl -fsSL https://github.com/open-net-worth-ai/open-net-worth-releases/releases/latest/download/install-server.sh | sh
If it says onw was added to your PATH, run the source line it shows (for zsh,
source ~/.zshenv) or open a new terminal. It finishes by listing the commands you're likely to
need next.
2. Start it. Your browser opens the app, and first run takes it from there.
onw start --open
3. Optional: keep it running and up to date. Press Ctrl+C to stop the
copy from step 2, then run the command below. It starts the app at login, restarts it after a
crash and installs each new signed release. Leave out --auto-upgrade to update by hand. See
Keeping it running.
onw start --autostart --auto-upgrade
Other commands you may need (full list):
| Command | What it does |
|---|---|
onw start --background |
Run it without keeping this terminal, until onw stop or a reboot |
onw stop |
Stop it |
onw restart |
Restart it, the way it was running |
onw status |
Show whether it's running, its URL, version and folder |
onw logs |
Show the end of its log. -f keeps following it |
onw upgrade |
Update to the newest release |
onw reset-password |
Set a new password if you've forgotten it |
onw version |
Print the installed version |
Good to know:
~/.open-net-worth/, holding data/, cache/,
logs/ and backups/. First run lets you put it elsewhere and remembers the choice. No .env
file is needed.make setup start from a checkout (Python 3.12+ and Node.js 22+).1. Download the Compose file into an empty folder.
curl -fsSLO https://github.com/open-net-worth-ai/open-net-worth-releases/releases/latest/download/docker-compose.yml
2. Pick a password and start it. Use at least 8 characte