Personal finance for people across borders.
Open source · Self-hostable · AGPLv3
Your entire financial picture, in one place — budgets, investments, loans, and net worth, across every currency.
As an immigrant, managing finances across countries gets messy fast. Income arrives in one currency. Daily expenses run in another. Savings, a pension, a mortgage, or a brokerage account may each live in a third.
Most tools assume you live in one country with one currency. Spreadsheets let you model anything — until the FX formula breaks, the tabs multiply, and you lose confidence in the numbers.
Nuvio was built to close that gap:
- Budget and track expenses in your day-to-day currency
- Hold accounts, investments, and loans in different currencies
- Record FX transfers with real exchange rates and fees
- See your true net worth converted to a single base currency — always up to date
| Spreadsheet | Nuvio | |
|---|---|---|
| Multi-currency FX with rates + fees | Manual | ✓ |
| Budget vs actual tracking | Manual | ✓ |
| On-track / over-budget signals | ✗ | ✓ |
| Loan amortization & collateral | Manual | ✓ |
| Portfolio returns vs contributions | Manual | ✓ |
| Net worth across all asset types | Manual | ✓ |
| Your data stays yours | ✓ | ✓ |
Assets, loans, investments, and cash — all tracked together and converted to your base currency. See how every part moves your total.
Every account carries its own currency. FX transfers record the rate, fees, and taxes used. No assumptions, no rounding errors.
Plan your year by category. Record transactions against it. See monthly variance with clear on-track / over-budget signals.
Track portfolio returns separately from contributions. Model loan amortization. Link collateral assets to see your loan-to-value ratio.
Run it yourself on your own infrastructure. Your financial data stays on your server. AGPLv3 licensed — fully auditable.
Income in one currency, savings in another, investments in a third. Nuvio handles the full picture without losing any detail.
The app is organised into four sections:
| Section | Pages | What it's for |
|---|---|---|
| Plan | Planning, Savings | Set your yearly budget and savings goals |
| Track | Budget vs Actual, FX Transfers | Record actuals and cross-currency transfers |
| Net Worth | Assets, Loans, Portfolio, Wealth | Full balance sheet and wealth growth over time |
| Settings | Accounts, Categories | Configure accounts and budget categories |
| Layer | Technology |
|---|---|
| Frontend | Next.js (App Router, TypeScript) |
| Self-hosting | Docker + Docker Compose |
📖 A step-by-step interactive self-hosting tutorial is coming soon.
Quick start:
git clone https://github.com/mathantunes/nuvio.git
cd globudget
cp .env.example .env # fill in your values
docker compose up -dThen open http://localhost:3000.
See CONTRIBUTING.md for local setup, project structure, and PR guidelines.
This project is intentionally:
- Transparent — no hidden calculations; every number is traceable
- Multi-currency first — amounts always carry a currency; conversions are always explicit
- Self-hosted — your data stays yours
Nuvio is licensed under the GNU Affero General Public License v3.0. In short: you can freely use, modify, and self-host it, but if you run a modified version as a network service you must also release your changes under the same license.