Trout
Trout: A flexible, privacy-minded budgeting ledger for self-hosted envelope budgeting. Ranked #62 of 181 in Personal Finance Software by our editors (3.0/10); pricing: Free plan · 30-day trial; best for self-hosted envelope budgeting adopters.
At a glance
- Editor score3.0 / 10
- PricingFree plan · 30-day trial
- Best forSelf-hosted envelope budgeting adopters
- Free planYes
- Paid from€59/yr
- Net-worth trackingYes
- Founded2025
- Facts checked22 Sep 2026
Where it wins
- Free envelope budgeting with goals, schedules, rules, and rolling balances
- Tracks investments, crypto, exchange rates, and multiple currencies
- Offers JSON and CSV exports plus cloud or AGPL-3.0 self-hosting
Where it doesn't
- Bank sync and AI features require a paid hosted plan
- Available on web or self-hosted deployment, without mobile apps
- Founded in 2025, so its product history is relatively short
Our verdict on Trout
Trout is an open-source envelope-budgeting ledger for individuals who want control over their money and financial data. Its free hosted plan covers envelope budgeting, accounts, goals, schedules, rules, crypto tracking, and multi-currency budgeting. The product also supports self-hosted deployment and is aimed at solo users and small organizations that prefer a personal finance system they can manage directly.
The free plan is the clearest entry point: it provides manual budgeting and core financial organization at no cost. Hosted Monthly costs €7 per month, while Hosted Annual costs €59 per year. Those paid hosted plans add bank synchronization through supported providers, AI categorisation and chat, and API access when it launches. A 30-day free trial is available, with a card required. This structure suits users who want to begin with manual envelope budgeting and add automation later, although bank sync is reserved for paid hosted tiers.
Trout stands out for combining budgeting with broader financial tracking. It can follow stock and ETF positions, crypto assets with cached market prices, exchange rates, and rules-based transaction categorization. Integrations include Enable Banking, SimpleFIN, CoinGecko, Yahoo Finance, OpenAI, fxratesapi, Sentry, and Resend. Financial data can be exported as JSON or CSV files, and the application is available through the web or self-hosted under the AGPL-3.0 license. Choose Trout if self-hosting, open-source access, and detailed envelope budgeting matter more than mobile availability. Users seeking mobile apps or bank synchronization on a free plan should consider another option.
Your product? Our editors can test Trout in depth and publish a review, labelled as paid · from $149/mo →
Trout pricing
All 3 Trout plans and prices →
Trout fact sheet
| Free plan | Yes |
|---|---|
| Paid from | €59/yr |
| Budgeting tools | Yes |
| Bill tracking | Not verified |
| Net-worth tracking | Yes |
| Account sync | Both |
| Report export | Yes |
| Mobile apps | Not verified |
| Free trial | 30 days · card required |
| Deployment | Cloud, Self-hosted |
| Platforms | Web |
| Compliance & security | GDPR |
| Support | Email, Docs |
| Built for | Solo, Small business (editorial estimate) |
| Integrations | 8 integrations: Enable Banking, SimpleFIN, CoinGecko, Yahoo Finance, OpenAI, fxratesapi … |
| Pricing | Free plan · 30-day trial (source) |
| Website | trout.money |
| Facts checked | 22 Sep 2026 |
Trout integrations
Trout lists 8 integrations on its own site.
- Enable Banking
- SimpleFIN
- CoinGecko
- Yahoo Finance
- OpenAI
- fxratesapi
- Sentry
- Resend
Alternatives to Trout
- 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
Trout is ranked in 2 of our directories.
Used Trout? Be the first to review it
The editor score above is our own research. What this page doesn't have yet is a reader's view — what you used Trout for, what worked and what didn't. No stars are seeded and no review is paid for; an editor reads every one before it appears.
Write a reviewTwo minutes · verified accounts only · read by an editor before it appears
Featured on iTechGuides
Trout is listed in our Personal Finance Software directory. Add the badge to your site — it links back to this page.
<a href="https://www.itechguides.com/products/trout/"><img src="https://www.itechguides.com/best/badge/trout.svg" alt="Featured on iTechGuides" width="230" height="46"></a>
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
Advertiser disclosure: iTechGuides is reader-supported. Vendors can pay for top positions in our rankings and for a place on other products' pages, and we may earn a commission when you click some links. Bought places stand at the number bought; this page and our disclosure say so. Paying vendors may get a fuller, more detailed review from our editors, and that review can change their score. How we rank.
Last updated · How we research and update