Maybe Finance
Umami
| Feature | Maybe Finance | Umami |
|---|---|---|
| Pricing | Free / from $0/mo | Free / from $9/mo |
| Free Plan | ✓ Yes | ✓ Yes |
| Rating | 4.2 / 5 | 4.5 / 5 |
| Best For | self-hosters, privacy-focused-individuals, developers, personal-finance-enthusiasts | indie-developers, privacy-focused-sites, bloggers, small-businesses |
| Founded | 2021 | 2020 |
| Net Worth Tracking | ✓ | ✗ |
| Investment Tracking | ✓ | ✗ |
| Budgeting | ✓ | ✗ |
| Transaction Categorization | ✓ | ✗ |
| Goal Planning | ✓ | ✗ |
| Multi Currency | ✓ | ✗ |
| Self Hostable | ✓ | ✗ |
| Page Views | ✗ | ✓ |
| Custom Events | ✗ | ✓ |
| Realtime Dashboard | ✗ | ✓ |
| Utm Tracking | ✗ | ✓ |
| Multi Site | ✗ | ✓ |
| Api | ✗ | ✓ |
| Teams | ✗ | ✓ |
✓ Maybe Finance Pros
- Fully open-source and free to self-host
- Comprehensive financial dashboard
- No ads, no data selling, full privacy
- Active development community
✗ Maybe Finance Cons
- Self-hosting only (no managed cloud option yet)
- Still in active development (features incomplete)
- Requires Plaid API key for bank connections
✓ Umami Pros
- Completely open-source and self-hostable for free
- Beautiful, clean dashboard interface
- No cookies required (GDPR/CCPA compliant by default)
- Lightweight script (under 2KB) does not slow sites
✗ Umami Cons
- Limited advanced analytics features
- No conversion funnel or cohort analysis
- Self-hosting requires database management
The Verdict
Maybe Finance is built for self hosters and privacy focused individuals, with a focus on net-worth-tracking and investment-tracking. Umami targets indie developers and privacy focused sites and leads with page-views and custom-events.
On pricing, Maybe Finance is the clear winner for budget-conscious users — starting at $0/mo compared to $9/mo for Umami. That $9/mo difference adds up quickly for growing teams.
Both offer free plans, so you can test each with your real workflow before committing to a subscription.
Bottom line: Umami has a slight overall edge — but if fully open-source and free to self-host matters most to you, Maybe Finance may still be the right call.