Sure

What is Sure?

Sure is an open source personal finance and wealth management app that brings your bank accounts, transactions, budgets, and net worth into one dashboard. Built in Ruby on Rails, it’s a community-maintained fork of Maybe — the finance app whose original company shut down in 2023 and open-sourced the code — kept alive and actively developed under the name Sure.

What is Sure best for?

People who want a polished, all-in-one money dashboard without handing their financial history to a subscription app. It fits privacy-conscious households and developers comfortable running a container, plus anyone leaving a shut-down or pricey budgeting tool who wants accounts, budgeting, and net worth in one place — with the choice of self-hosting free or paying for managed hosting.

What can Sure do?

• Track unlimited accounts — checking, savings, credit cards, loans, crypto, and investments — with balance history over time
• Connect banks across 10,000+ financial institutions to pull transactions automatically
• Categorize, edit, and automate income, expenses, and transfers with custom rules and filters
• Set category-based budgets and monitor spending against them
• Chart net worth and cash flow across every account on one screen
• Ask the built-in Sure AI assistant questions about your portfolio, spending, and forecasts
• Reach your data from the browser, a macOS desktop app, a mobile app, the API, or LLM agents

Where does Sure fall short?

It’s a young community fork still finding its feet. Sure inherited a codebase its original company walked away from, and its roadmap now depends on volunteer maintainers. That keeps the project alive, but expect a smaller team, evolving features, and a less certain long-term guarantee than a commercially backed app.

It’s a broad net-worth dashboard, not strict envelope budgeting. If you want disciplined, zero-based envelope budgeting the way YNAB enforces it, Sure’s category budgets are looser — Actual Budget or Firefly III are closer fits for that workflow.

Automatic bank syncing is uneven and partly a paid feature. Live transaction feeds lean on third-party aggregators with the strongest coverage in North America, and hosted bank sync sits behind Sure’s paid cloud tiers — self-hosters generally supply their own connection or fall back to CSV import.

Is Sure free?

Yes — Sure is free and open source under the AGPL-3.0 license, and you can self-host it at no cost, paying only for your server. There’s also a managed cloud at sure.am: a free “Good” tier (90-day retention, no hosted bank sync), “Better” at $5/month for unlimited AI and accounts plus global bank sync, and “Best” at $9/month adding email support. The software itself is free; the paid tiers buy hosting and sync convenience.

What does Sure replace?

Sure stands in for paid personal finance apps: YNAB, Quicken, and Monarch Money. It covers the same account aggregation, budgeting, and net-worth tracking those subscriptions offer, but you can run it yourself without an ongoing fee. It’s also the actively maintained continuation of Maybe, so it’s the natural landing spot if that project’s shutdown left you looking for a home.

FAQ

Is Sure open source? Yes. Sure is licensed under AGPL-3.0 and the full source is on GitHub. It’s a community fork of Maybe; because “Maybe” is a trademark of Maybe Finance, the fork was renamed and states it isn’t affiliated with the original company.

Can I self-host Sure for free? Yes. There’s no license fee — you run it yourself with Docker, PostgreSQL, and Redis, paying only for your host. The managed plans at sure.am are optional and only cover hosting and bank-sync convenience.

Is Sure a good YNAB alternative? For tracking accounts, spending, and net worth in one dashboard, yes — and without YNAB’s subscription. If your priority is strict envelope budgeting specifically, YNAB’s method is more rigid than Sure’s category budgets.

What do I need to run Sure? A host that can run Docker, a PostgreSQL database, and Redis. One-click deploy options exist for providers like PikaPods, Railway, and Hostinger; automatic bank feeds may need your own aggregator credentials.