Maybe

What is Maybe?

Maybe is an open source personal finance app that brings your bank accounts, budgets, investments, and net worth together in one self-hosted dashboard. Built in Ruby on Rails, it aggregates transactions, tracks account balances over time, and gives you a full picture of your money without sending your financial history to a company’s cloud.

What is Maybe best for?

People who want a polished, Mint-style money dashboard while keeping full ownership of their data. It fits privacy-conscious households, developers comfortable running a Docker container, and anyone leaving a shut-down or subscription app who wants net worth, budgets, and investments in one place — and doesn’t mind that the project is now community-maintained rather than backed by a company.

What can Maybe do?

• Track unlimited accounts — checking, savings, credit cards, loans, and investments — with balance history over time
• Chart net worth and cash flow across all accounts on one dashboard
• Categorize transactions, set budgets, and monitor spending by category
• Follow investment holdings and portfolio value alongside everyday accounts
• Sync bank transactions automatically through Plaid (with your own API keys), or import via CSV
• Support multiple currencies, multi-user households, and two-factor authentication
• Optional AI assistant (via your own OpenAI key) to ask questions about your finances
• Expose a REST API for your own scripts and integrations

Where does Maybe fall short?

It’s no longer maintained by the original company. Maybe Finance archived the repository in July 2025 after pivoting to B2B, shipping a final v0.6.0 release. No upstream bug fixes, security patches, or dependency updates come from the original team — ongoing work happens in community forks such as Sure, which continues the project.

Automated bank syncing leans on Plaid, which is North-America-focused. You supply your own Plaid credentials, and coverage is strongest for US and Canadian banks. Outside that, you’ll rely largely on manual entry and CSV import rather than live feeds.

Investment and market-data features expect an external data source. Live prices historically came from Maybe’s own Synth API; a self-hosted instance needs a market-data API key wired in, and that dependency is less certain now that the company has moved on.

Is Maybe free?

Yes — Maybe is free and open source under the AGPL-3.0 license, with no paid tier and no managed cloud. You run it yourself, typically as a Docker container with PostgreSQL, and pay only for hosting. Third-party services it can connect to — Plaid for bank feeds, OpenAI for the AI assistant — bill separately if you enable them.

What does Maybe replace?

Maybe stands in for paid personal finance apps: Mint (Intuit’s shut-down aggregator), Monarch Money, and Copilot Money. It covers the same account aggregation, budgeting, and net-worth tracking those apps offer, but self-hosted and subscription-free. If you want strict envelope budgeting instead of a broad dashboard, Actual Budget or Firefly III are closer fits.

FAQ

Is Maybe open source? Yes. Maybe is licensed under AGPL-3.0, and the full source is on GitHub. Because “Maybe” is a trademark, forks must remove the branding and state they aren’t affiliated with Maybe Finance.

Can I self-host Maybe for free? Yes. There’s no license fee and no hosted plan to buy — you run it yourself with Docker and PostgreSQL, paying only for your server. Optional integrations like Plaid or OpenAI cost extra if you turn them on.

Is Maybe still maintained? Not by the original company — the repo was archived in July 2025 after Maybe Finance pivoted to B2B. The code still runs, and community forks like Sure carry the work forward, but expect no official updates upstream.

What do I need to run Maybe? A host that can run Docker, a PostgreSQL database, and roughly 1–2GB of RAM. For automatic bank syncing you’ll add your own Plaid keys; the AI assistant needs an OpenAI key.