Cent

Cent is a completely free, open-source collaborative accounting app built around one idea: your money data should belong to you. Instead of a third-party backend, your ledger is stored as JSON in your own GitHub or Gitee repository, or on your own WebDAV server — there is no server in the middle that can see your finances.

Because every device reads and writes the same repository, several people can keep a shared ledger together. An incremental sync mechanism transmits only what changed rather than the whole dataset, so collaboration stays fast and works in real time across Web (PWA) and iOS, with Android on the way.

On top of that it adds the conveniences of a modern money app: AI voice entry that parses the amount and category for you, 30+ currencies with live exchange rates, recurring-transaction and subscription templates, charts and trend analysis, and even map-based spending visualization. It installs as a PWA, works offline, and can import WeChat and Alipay statements.