Open Net Worth

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.

Compared with Claude and ChatGPT Personal Finance

	Claude Personal Finance	ChatGPT Personal Finance	Open Net Worth
Can it act?	No, it reads your accounts	No, it can't change your accounts	Yes: books transactions, runs your budget, places trades through your broker (approval by default)
Comes to you first	No, it waits for you to ask	No, it waits for you to ask	Daily briefings, weekly and monthly reports, Telegram pings when news hits what you hold
Investment advice	Not meant to give it	Planning questions	Judges a ticker against your own investment thesis
Where it works	US only, through Plaid (up to 16 accounts)	US only, through Plaid	Any country and currency: bank and broker connectors, or your bank emails and statements
Where your data lives	Anthropic's cloud	OpenAI's cloud	Your own machine
Your AI	Claude only	ChatGPT only	Your Claude Code or Codex subscription, an API key, or a local model
What it covers	Spending, bills, balances	Spending, cash flow, investments, loans	Everything you own, including property, cars and RSUs
Who can get it	Paid US plans, in beta	US ChatGPT Pro, in preview	Anyone: free and open source (AGPL-3.0)

Based on each launch's announcement and coverage as of November 2026.

What's inside

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.

Is this for you?

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.

Requirements

• The desktop app: macOS on Apple Silicon, Windows 10/11 (x64), or Linux (x86_64, AppImage or .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.
• Running a server from source: Python 3.12+ and Node.js 22+ (macOS, Linux or Windows).
• An AI model — first run asks for one, with no skip: an API key (Anthropic, OpenAI, or any OpenAI-compatible endpoint), an existing Claude Code, Codex or Antigravity CLI sign-in on the same machine (detected for you), or a free local model through Ollama.

Getting started

Option A — the desktop app (recommended)

Download it from opennetworth.ai, or from the public releases page:

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