Econumo vs Maybe Finance #

Maybe Finance is no longer maintained. The project was archived on GitHub in July 2025, and the company behind it wound down in early 2026. If you arrived here looking for a Maybe alternative, this page is about where to go next — and it will not pretend Econumo is the right answer for everyone.

Maybe Finance shut down

On 24 July 2025, Maybe Finance published a final release titled “Farewell… Maybe” announcing a pivot to B2B financial forecasting. The repository is archived and read-only, with 54,351 stars frozen in place. maybefinance.com now redirects away from the product, and the hosted app is gone.

The short version

Sure is the continuation. Econumo is the alternative. If you loved Maybe’s tracking — bank sync, investments, the net worth dashboard — go to Sure. It is a direct fork, actively maintained, and keeps your existing database. If you loved Maybe’s simplicity but wished it actually helped you plan — and never got much out of bank sync anyway — Econumo does the envelope budgeting that neither Maybe nor Sure has.

Which should you choose? #

The honest decision tree, before any comparison table:

If several rows on both sides apply, you probably want Sure for tracking and are better served waiting rather than switching twice.

At a glance #

Figures observed 19 July 2026 from the GitHub API and each project’s documentation. Maybe’s figures are frozen at archive time.

What happened to Maybe Finance #

Maybe was founded in 2021 by Josh Pigford and Travis Woods. Its first attempt was a paid commercial product that failed to find enough customers. In January 2024 the team open-sourced roughly a million dollars’ worth of prior development work, and it exploded — the top trending repository on GitHub for a week, tens of thousands of stars, arriving just as Mint’s shutdown left millions of users looking for a replacement.

That momentum never converted into a business. From the final release notes:

“In the end, our obligation as a company is to our investors, and … we’ve determined that continuing to build this app is not our best chance at paying back our investors and profiting as a company.”

The repository’s last commit is 24 July 2025. The company itself shut down in early 2026 and began liquidating assets — its market-data product Synth now has its domain listed for sale.

Do not simply self-host the archive #

This matters practically: archived Maybe is partially broken today. It depended on Synth, Maybe’s own market-data API, which died with the company. Investment prices and related features no longer work, and the code receives no security updates.

Sure replaced that dependency with several working market-data providers. If you want Maybe’s feature set, run Sure, not the archive.

What Maybe got right #

Worth stating clearly, because it explains why 54,000 people starred it and why this page exists at all.

The design. Maybe’s team was unusually disciplined about restraint. From their own write-up:

“We spent a lot of time asking the question, ‘What can we delete?’ … Our goal with this app was to remove complexity from personal finance.”

Transfers as first-class citizens. Maybe auto-detected transfers between your own accounts and refused to let you categorise them, so they never polluted budgets or spending totals. Their reasoning — that other apps force users into a “junk drawer” of Transfer and Excluded categories — is correct, and it is a detail people miss immediately when it is absent.

The net worth dashboard. Assets, liabilities, property, crypto and investments in one balance sheet with a trend over time. This is what made Maybe a Mint replacement rather than a YNAB replacement — and it is the single biggest thing Econumo does not do.

The gap neither Maybe nor Sure fills #

Maybe had monthly category budgets, not envelopes. You could allocate money across categories within a month, but there was no carryover between months — no rollover field exists anywhere in its data model, and Sure inherited the same design.

That is a deliberate philosophy, not an oversight. Maybe’s position was that “most users are satisfied with less; not more”, and its four guiding questions were all retrospective: how much do I have, am I spending less than I earn, how much did I spend last month, what did I spend it on.

Those are good questions. They are just not budgeting questions. Maybe told you where your money went. Envelope budgeting decides where it goes next.

Econumo’s budgets are envelopes: income is assigned into categories grouped in folders, with limits, available amounts and rollover between months.

Econumo’s envelope budget — unspent money stays in the envelope and carries forward.

Sure’s dashboard, continuing Maybe’s design: cashflow, balance sheet and net worth. Screenshot from the Sure project README.

The two screenshots show the difference better than any table. One is a plan; the other is a report.

Bank sync — and why Econumo does not have it #

Econumo has no automatic bank import, and for a Maybe refugee that is the most obvious downgrade. It is a deliberate decision, with CSV import/export and a REST API instead.

Maybe’s own postmortem is the most credible explanation of why a small self-hosted project might reasonably decline to build it:

“The single biggest challenge with a personal finance app in 2025 is bank providers. … this is a massive challenge for anyone building a personal finance app and is the primary reason why ‘bootstrapping’ a personal finance app with automated bank syncing is an uphill battle. You need a lot of money and time to get this right.”

They listed unsupported banks, banks that only accept logins at certain hours, provider documentation that did not match production data, and bank data that was simply wrong. With roughly $3M raised, it was still the thing that beat them.

That is context, not an excuse. If automatic bank import is why you budget at all, Sure is the better choice — it now supports around twenty providers including Plaid, SimpleFIN, Enable Banking, Akahu and several brokers, well beyond Maybe’s Plaid-only integration.

Sure: the direct continuation #

Sure was forked on 23 July 2025 — one day before Maybe’s final release — and its first version was titled “Maybe v0.6.0 — Bug compatible”, an explicit statement of intent.

It has since clearly outgrown a straight continuation:

• Replaced the dead Synth dependency with Twelve Data, Yahoo Finance, Alpha Vantage, Frankfurter and others
• Expanded bank sync from Plaid alone to roughly twenty providers
• Native mobile apps in Flutter — iOS and Android, still alpha
• Pluggable AI, including local models via Ollama, and the option to disable it entirely
• OpenID Connect / SSO, which Maybe never had
• Family sharing permissions, goals, transaction splits, privacy mode
• Internationalisation — Maybe was English-only

Health signals are genuinely good: 1,199 merged pull requests in its first year, and eight consecutive on-schedule monthly stable releases from November 2025 through July 2026.

Two caveats worth knowing. Its bus factor is low — one maintainer leads development and writes all the communications, with a long tail of occasional contributors — and there are more than 200 open pull requests, the classic signature of review capacity being the bottleneck. It is substantially healthier than a one-person project, but it is not yet institutionally durable.

Where Econumo genuinely fits #

Envelope budgeting. Verified absent from both Maybe and Sure. This is the real differentiator, not a marketing one.

Multi-currency and household sharing. Straight parity with Maybe — Econumo has both, with access levels set per account and per budget.

A much lighter self-host. Econumo is a single Go binary in a distroless image using about 10 MB of RAM, with SQLite by default. Sure is a Rails application with PostgreSQL, background workers, and API keys needed for market data and AI. If your Maybe instance felt heavy for what you used it for, that gap is real.

No third-party dependencies. Sure’s headline features need API keys from market-data or LLM providers. Econumo needs none — which is also precisely why Maybe’s Synth shutdown could not happen to it.

MIT rather than AGPL. Maybe and Sure are both AGPL-3.0. Maybe additionally trademarked its name, which is why the fork had to be renamed — that is what AGPL-plus-trademark looks like in practice.

A hosted option. $20 one-time per user, or self-host free. Sure offers self-hosting only.

Be clear about the switching cost #

If you are running self-hosted Maybe today:

• Moving to Sure is close to a container swap. It shares Maybe’s Rails and PostgreSQL schema and started life bug-compatible with v0.6.0.
• Moving to Econumo means exporting to CSV, importing, and rebuilding your budget from scratch. There is no Maybe importer. You also lose investment tracking and the net worth balance sheet, which Econumo does not model at all.

If you were a hosted Maybe customer, there is a harder problem: the sunset window closed around September 2025, so if you did not export then, that data is likely gone. Neither project can recover it.

Given all that, the switch to Econumo makes sense when you were already entering transactions by hand — which described most of Maybe’s users, since the project had tens of thousands of self-hosters and only a few hundred paying customers — and what you actually wanted was a budget rather than a report.

Try the Econumo demo in your browser before deciding.

Frequently asked questions #

Is Maybe Finance shut down? #

Yes. It announced a pivot to B2B forecasting on 24 July 2025 and archived the repository; the company wound down in early 2026.

What is the best alternative to Maybe Finance? #

Sure, if you want bank sync, investments and the net worth dashboard to keep working. Econumo, if you wanted a simple app that helps you plan rather than report, and did not rely on bank sync.

Can I still self-host the archived Maybe Finance? #

You can run it, but its Synth market-data dependency died with the company, so parts are broken and it gets no security updates. Run Sure instead.

Did Maybe Finance have envelope budgeting? #

No — monthly category budgets with no carryover between months. Sure inherited the same model.

Can I migrate my Maybe data to Econumo? #

Only via CSV, and you will rebuild your budget. Sure is the drop-in path if you want to keep your existing database.

Last verified 19 July 2026 against the GitHub API and the projects’ own release notes and documentation. Maybe Finance is a trademark of Maybe Finance Inc.; Econumo is not affiliated with or endorsed by Maybe Finance Inc. or the Sure project. If you spot something out of date, let us know.