Trout review
A flexible, privacy-minded budgeting ledger for self-hosted envelope budgeting.
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
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.
Trout pros and cons
- 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
Trout fact sheet, pricing and score →
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