Month-by-month forecast · Overdraft alerts · Charts · Several accounts · Two-factor login · Home Assistant
The screenshots show a fictional demo household: every figure is an example and none of them are the author's own finances.
Self-hosted · Local-first · Bilingual (FR / EN) · Open source for non-commercial use
| 🔮 A forecast, not a history What will be left on your account at the end of every month, up to ten years ahead. |
🚨 Overdraft alerts A safety threshold, the tightest month, and how much is missing to stay above it. |
📈 Charts that help Your account month by month, your savings, the months that cost you, a rental property's year. |
| 👥 One budget each Several accounts, each with its own database. The administrator never sees the others' budgets. |
🔐 Two-factor login A code from an authenticator app after the password, and single-use recovery codes. |
🏠 Home Assistant A read-only API: the end-of-month balance and the alerts on your dashboard. |
Most budgeting tools look backwards: they categorise what you already spent.
Budget Cockpit looks forward. You describe your income and expenses once — salary, rent, loan, a seasonal rental, a yearly tax — and Budget Cockpit projects, month after month, what will be left on your current account. It warns you before an overdraft, not after.
It started as a spreadsheet that had to be copied and pasted every month. Budget Cockpit replaces that spreadsheet: no more copying columns, no more broken formulas.
Every line has a rule, and the months fill themselves:
Optional start and end months, and groups to follow a rental property on its own. |
A month is different? Click its cell and type the amount; it is highlighted. Leave it empty to go back to the rule. During the current month, tick ✓ when an expense is paid or income received: it is already in your balance, so it stops counting. |
- Left (end of month) for every month, from your real balance today
- Safety threshold: a Warning below your chosen amount, an Overdraft alert below zero
- Tightest month and first alert shown at the top of the page
- Close the month in one click: the past month disappears and your real balance becomes the new starting point
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| Totals, balance and alerts | On a phone, in dark mode |
- Your current account, end of month: when you go under your threshold or into overdraft, and how low you go
- Your saving room: how much more you can put aside, and by when, without going under the threshold — or how much is missing, and by when
- In the summary: what each month adds to or takes from your account, your planned savings, and the result of each group (a rental property, say) with its year-to-date total
Hover or tap a month for the details. The charts are drawn by the server: nothing is loaded from the Internet.
The summary opens with three charts — what each month adds to or takes from your account, your planned savings, and the year of each group (a rental property, say) — then the year-by-year table: income, expenses, planned savings and your real saving capacity, per year and per month.
Budget Cockpit can serve the whole household, or a few relatives: each account has its own budget, in its own database.
- The first account is the administrator. It creates the others with a temporary password, which each person replaces with their own at first login
- The administrator manages accounts (password reset, two-factor authentication, roles, deletion) but never sees anyone else's budget
- Everyone has their own settings, backups and Home Assistant keys
Budget Cockpit runs on its own, next to Home Assistant, and exposes a read-only API protected by a key. In a few lines of YAML, Home Assistant gets:
- the forecast balance at the end of the month,
- the tightest month,
- the overdraft alert — and can notify your phone when it changes.
See docs/user/HOME_ASSISTANT.md.
# docker-compose.yml
services:
budget-cockpit:
image: ghcr.io/vinzgithub/budget-cockpit:latest
restart: unless-stopped
ports: ["8080:8080"]
volumes: ["budget-cockpit-data:/data"]
volumes:
budget-cockpit-data:docker compose up -dOpen http://<your-server>:8080, create the administrator account, and either start from sample data or enter your own lines. Other accounts are created in Admin.
Full guide, including a Proxmox LXC and a reverse proxy: docs/user/INSTALLATION.md.
Budget Cockpit holds your financial data. Keep it on your local network or behind a VPN, and back up the
/datavolume.
- No default password: the first visit creates the administrator account
- One SQLite database per account: budgets stay apart, and administrators cannot open them
- Passwords hashed with scrypt, login throttling, CSRF protection on every form
- Optional two-factor authentication: a code from an authenticator app (TOTP) after the password, with single-use recovery codes
- Strict Content-Security-Policy, no external scripts, fonts or trackers — Budget Cockpit never calls the Internet
- API keys shown once and stored only as a hash
- Runs as a non-root user in a read-only container
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| Two-factor authentication in one scan | The code asked after the password |
Details and reporting: SECURITY.md.
Everything lives in SQLite files in /data: one for the accounts, and one per person for their budget. The Settings page exports and imports each person's budget as JSON. Nothing is ever sent anywhere.
Copyright © 2026 Vincent Fournet.
The source code is licensed under the PolyForm Noncommercial License 1.0.0.
See:
The public license does not grant commercial-use rights.
Commercial use, resale, paid redistribution, paid hosting, inclusion in a commercial product or service, or other commercial exploitation requires a separate written license from Vincent Fournet.
Access to the public source code does not grant a commercial license.
Budget Cockpit is developed with the assistance of Claude, Anthropic's AI assistant, which contributes to the design, code, tests and documentation. The author decides what goes into the project and publishes every release.
Budget Cockpit is a forecasting tool, not financial or tax advice. Forecasts are only as good as the amounts you enter.
The figures in the screenshots and in the documentation come from the fictional demo household shipped with the app. They are examples only and do not reflect the author's finances.
Home Assistant and other product or company names mentioned by this project remain the property of their respective owners.