Summary

Securo is an open-source, self-hosted personal finance manager prioritizing user privacy and data ownership. It offers a solution for individuals seeking full control over their financial data, eliminating reliance on third-party corporations by running entirely on the user's own infrastructure.

How It Works

Securo utilizes a robust backend built with FastAPI, SQLAlchemy, and PostgreSQL, with Redis/Celery for task queuing, and a React/TypeScript frontend. Its core design emphasizes self-hosting and privacy. Key features include optional bank synchronization via the Pluggy provider and extensible AI agents that can analyze user data using self-hosted LLMs, supporting multiple providers and RAG.

Quick Start & Requirements

• Primary install: Linux/macOS: curl -fsSL https://usesecuro.com/install.sh | bash. Windows: Install Docker Desktop, then git clone https://github.com/securo-finance/securo.git && cd securo && docker compose up --build.
• Access: Navigate to http://localhost:3000 in a web browser.
• Prerequisites: Docker is required for Windows installation. Optional API keys are needed for Pluggy (bank sync), Open Exchange Rates, and AI agents (e.g., OpenAI, Anthropic, Ollama).

Highlighted Details

• Comprehensive financial management: multi-account, transaction management, file import (OFX, QIF, CAMT, CSV), auto-categorization, budgeting, goals, asset tracking, and detailed reports (Net Worth, Income vs Expenses).
• Optional bank synchronization via Pluggy and automatic multi-currency conversion with exchange rate fetching.
• Integrated, self-hostable AI Agents for data interaction, supporting multiple LLM providers and RAG knowledge bases.
• Security features include two-factor authentication (TOTP) and privacy mode.

Maintenance & Community

No specific community channels, notable contributors, or sponsorship details are provided in the README.

Licensing & Compatibility

Licensed under the GNU Affero General Public License v3.0 (AGPL-3.0). This strong copyleft license mandates that any modifications or derivative works, including those offered as a network service (SaaS), must also be released under AGPL-3.0. This significantly impacts commercial adoption and integration into proprietary systems.

Limitations & Caveats

The AGPL-3.0 license imposes strict requirements for distributing modifications or offering the service, potentially limiting commercial adoption. Optional features like bank sync and AI agents require external API keys and configuration.