moneystill.com

What It Is

moneystill is a web app for budgeting and financial scenario planning, positioned as an alternative to spreadsheet-based personal budgeting. It emphasizes moving away from fragmented income and expense tracking toward a full-year budget view, while supporting what-if simulations for situations such as salary increases, early retirement, and rising living costs. The product offers both a cloud-hosted version and an open-source self-hosted version.

Core Features and User Experience

Based on the available information, the core modules include auto-filling recurring income and expenses, scenario planning, a full-year budget overview, dark-mode charts, and JSON data export. Auto-fill is useful for fixed items such as rent and subscriptions; scenario planning lets users simulate changes without affecting their real budget data. The interface is marketed as clean and friendly for nighttime use, but there is no sign of more advanced business finance features such as bank account syncing, receipt recognition, invoicing, reimbursements, or accounting categories.

Pricing, Deployment, and Support

Pricing is fairly clear: the open-source self-hosted version is free forever and suits developers who can manage Docker, database hardening, SSL, and updates themselves. The cloud plan costs $45/year, includes full hosting and priority support, and offers a 7-day free trial with no credit card required. The Enterprise plan is custom-priced and targets teams and consultants, with support for multiple accounts, custom branding, and an availability SLA. If you stop paying, the account becomes read-only, but you can still view your data and export it as JSON, which is a positive point for data control.

Security, Integrations, and Collaboration

On security, moneystill claims to use bank-grade encryption, AES encryption at rest, US-based infrastructure, and states that it does not sell, share, or use data for advertising. Compliance disclosures are limited, with no visible SOC 2, ISO 27001, or GDPR certifications. The only clearly mentioned third-party integration is Google Login, while the terms mention Stripe payment failure scenarios. There is no disclosed API, webhook, SDK, or integration with banks or accounting software. Team capabilities currently appear limited to Enterprise features such as multiple accounts, custom branding, and SLA, with insufficient detail on permission roles.

Pros, Cons, and Who It’s For

The main advantages are that it is open source and self-hostable, has low cloud pricing, a low-friction trial, exportable data, and a business model that does not rely on ads or data sales. Its limitations are that the feature scope leans toward personal budgeting, while information on enterprise-grade permissions, compliance, integrations, and service guarantees is relatively thin. It is suitable for personal annual budgeting, household income and expense planning, independent consultants, or small teams doing basic scenario analysis. If you need local Chinese payment methods, direct bank connections, invoice reimbursement, or tax and accounting compliance, you may need to evaluate alternatives such as YNAB, Actual Budget, 随手记, or 鲨鱼记账. Availability from China is not covered in the main content, so network and payment accessibility would need to be tested directly.