Havoro
Havoro: A capable free tracker for Australians who prefer local control over automated syncing. Ranked #101 of 181 in Personal Finance Software by our editors (3.0/10); pricing: Free plan; best for australian self-hosting households.
At a glance
- Editor score3.0 / 10
- PricingFree plan
- Best forAustralian self-hosting households
- Free planYes
- Paid fromFree
- Net-worth trackingYes
- Facts checked22 Sep 2026
Where it wins
- Free, MIT-licensed software with no account, subscription, or telemetry
- Tracks budgets, goals, assets, loans, transfers, and net worth
- Supports local backups, self-hosting, desktop access, and a PWA
Where it doesn't
- Bank and market data updates rely on manual imports
- Self-hosting requires more setup than a hosted finance app
- Android is out of scope and the native iPhone app is in development
Our verdict on Havoro
Havoro is a free, open-source personal finance tracker for individuals and households that want to keep financial data on their own hardware. Windows and Linux desktop apps support local use, while self-hosting provides browser-based multi-user access and PWA support. It covers monthly category budgets, safe-to-spend tracking, savings goals, sinking funds, transfer planning, and net-worth history across bank accounts, property, shares, superannuation, and loans. Users import bank CSV or spreadsheet transactions rather than providing bank login details.
For Australian households, the local account model and listed ecosystem support are notable fits. Havoro includes integrations or data connections for ANZ, NAB, Westpac, CommBank, American Express, Stooq, Yahoo Finance, and the GitHub Releases API. Automatic transaction categorization uses keyword rules, and net-worth tracking includes asset-class breakdowns and history. Local database backup and restoration add a practical way to protect a self-hosted financial record, while the MIT license supports its open-source model. Documentation and community channels form the support path.
The main trade-off is synchronization. Bank and spreadsheet data enters through manual imports, so Havoro suits people willing to maintain their records rather than users seeking continuous bank-feed automation. The desktop and self-hosted deployment options also put more responsibility on the household than a fully hosted service. Mobile access currently comes through a self-hosted PWA; the native iPhone app is in development, and Android is out of scope. Choose Havoro for privacy, local control, and broad personal-finance coverage. Choose another option if automated synchronization or native Android access is central to your workflow.
Your product? Our editors can test Havoro in depth and publish a review, labelled as paid · from $149/mo →
Havoro pricing
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Havoro fact sheet
| Free plan | Yes |
|---|---|
| Paid from | Free |
| Budgeting tools | Yes |
| Bill tracking | Yes |
| Net-worth tracking | Yes |
| Account sync | Manual |
| Report export | Not verified |
| Mobile apps | Not verified |
| Deployment | Self-hosted, Desktop |
| Platforms | Web, Windows, Linux |
| Support | Community, Docs |
| Built for | Solo, Small business (editorial estimate) |
| Integrations | 8 integrations: ANZ, NAB, Westpac, CommBank, American Express, Stooq … |
| Pricing | Free plan (source) |
| Website | havoro.app |
| Facts checked | 22 Sep 2026 |
Havoro integrations
Havoro lists 8 integrations on its own site.
- ANZ
- NAB
- Westpac
- CommBank
- American Express
- Stooq
- Yahoo Finance
- GitHub Releases API
Alternatives to Havoro
- QuickenA mature all-around finance suite with broad tracking, reporting, and account-update tools.9.3
- SoFiA broad free toolkit for budgeting, account tracking, credit monitoring, and financial guidance.9.2
- GnuCashA capable free desktop ledger for detailed accounting, budgeting, and investments.9.1
Also Ranked In
Havoro is ranked in 2 of our directories.
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Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
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