Free & open source · Desktop personal finance
Qifora is an open-source, local finance manager for people with accounts and investments in multiple currencies and countries.
Free · Open source (AGPL) · macOS & Windows · works offline
Do you have accounts and investments in several countries, and no finance manager supports that? You understand that syncing with banks across countries is complicated, and you would even be willing to import the transaction lists. But the existing import tools are bad and confusing and regularly wreck your portfolio? And maybe you would even like to write your own plugins now and then, and run your own analyses on the database?
Then Qifora might be exactly your solution. It is built from the ground up to support multiple currencies. A lot of time went into making the import as smooth as possible. And the underlying database is an ordinary, readable file on your computer that you can edit yourself at any time. On top of that, everything is open source: you can write your own plugins, or vibe-code them.
There will probably be two versions, depending on demand:
An optional subscription for the things that carry running costs:
I have accounts and investments in several currencies. I searched desperately, but I never found a finance manager that handles this properly. I can understand that automatic transaction sync with banks in different countries is hard. And I do not really mind importing the transaction data myself. But the existing import solutions are, in my view, so poorly made that I regularly had to reset half my portfolio. On top of that, the data is almost always locked in a proprietary format. Switching is nearly impossible, and when I broke something, I could not fix it myself. And I often had my own ideas and wishes for reports, but with almost none of these tools can you write your own plugins.
For these reasons I wrote Qifora, originally just for myself. But then I thought: maybe this helps others with their problems too. So now I am finding out whether anyone besides me can use it.
— Founder of Qifora
Qifora is and will stay free, and the entire source code will be published under the AGPL. All core features are free, permanently.
If there is interest, I could extend Qifora with an optional subscription for the things that carry running costs: live prices and an AI assistant without your own API key, served by the Qifora server (hosted in Europe and GDPR-compliant, of course). All of this can also be used in the free version if you bring your own API keys and pay for the services yourself. Automatic bank sync may come at some point.
Qifora is still in beta. Test now and you shape what gets built.
I take on a few new testers at a time. Free. The most helpful testers have accounts at several banks or in several currencies.
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For anyone who wants a real overview of their finances across multiple accounts, banks or currencies. From a household budget to a full net-worth picture.
Nothing. The app is free and open source (AGPL), permanently, with all core features. Later there will be an optional Qifora Pro subscription: encrypted sync, the AI assistant without your own API key, and automatic bank connections. Export and backup stay free forever.
Only locally, on your own machine. Qifora runs no server that stores or processes your financial data, and it works offline.
Not yet, and never through a third-party aggregator. You import your bank's export files (CSV/QIF), which works with any bank in any country. Your bank credentials are never stored anywhere. Automatic connections (FinTS for German banks) are planned for Qifora Pro.
Yes. Qifora is built from the ground up for accounts in multiple currencies, including transfers between currencies and exchange rates.
The entire source code is published under the AGPL (at the 1.0 release). Anyone can verify what happens to the data, compile the app themselves, and extend it through the plugin API.
AI features are optional and ask first. Only if you use the AI import will excerpts of the import file be sent to the AI provider, with your own API key if you prefer. Without AI, nothing ever leaves your machine.
Fill in the form and I will get back to you personally by email. The beta is free. I am looking for people with real multi-account finances who give honest feedback and expect rough edges.