Wlth is a free budgeting and net worth tracker that I designed, built, and run at wlth.app. Users set monthly budgets by category, link bank accounts to import transactions automatically, set savings goals with target dates, and record monthly snapshots of their assets and liabilities. Accounts that can't be linked, like a house or a car, can be tracked manually so net worth stays complete.
The app is a Rails monolith using Hotwire for the front end and PostgreSQL for storage. Authentication is handled by Rodauth with optional two-factor auth. Background jobs on Solid Queue sync transactions from the bank aggregator whenever a user logs in with stale data, or on demand. The whole thing is containerized with Docker and deployed with Kamal to Oracle Cloud free-tier ARM instances, so hosting costs nothing.
The third-party bank aggregator the app relied on recently shut down, so account linking is currently unreliable while I sort out a replacement. Budgets, goals, and manual accounts still work. Linked accounts simply stop receiving new transactions until linking is restored.