kzekiue/kosh

Kosh is a personal finance app you run yourself, rather than a hosted service that stores your financial data on someone else's servers. It is built for people who want full control of their own accounts, transactions, budgets, bills, recurring payments, savings goals, and CSV imports without handing that ledger over to a third party. The project is upfront that it is practical finance software, not financial advice, and it encourages users to verify important decisions independently. The feature set covers the everyday parts of managing money: accounts, transfers, categories, tags, budgets, bills, recurring transaction drafts, goals, and reports. Money is calculated using exact integer based math rather than rounded decimals, and the app does not invent foreign exchange rates on its own. There is an optional AI assistant powered by Google Gemini for asking questions about your finances, but it is turned off by default, along with an optional read only integration for external tools. Technically, Kosh is a Next.js web application backed by a PostgreSQL database, using a tool called Drizzle to manage the database schema and migrations, all organized as a pnpm and Turborepo workspace. Running it requires Node.js 22.13 or newer, PostgreSQL 16 or compatible, and optionally Docker for an easier setup through Docker Compose. Security gets real attention here. Production deployments are required to set proper secrets and encryption keys, and the app rejects weak or default configurations at startup. Sensitive fields like account numbers and transaction notes can be encrypted before being stored, though the README is clear that losing the encryption key means that data cannot be recovered, and that this protects data at rest rather than end to end. Overall, this is a tool for people comfortable running their own server and database who want a private alternative to cloud based budgeting apps, with enough operational detail in the README, covering backups, migrations, and troubleshooting, to support a real self hosted deployment rather than just a quick demo.