sage

Sage

Be your own accountant, without the stress.

Automatically download transactions from your banks and credit cards, then categorize them based on your own rules.

Features

• Automatically sync your ledger with banks and credit card institutions
• Securely downloads data directly from your bank or credit card company
• Uses double-entry bookkeeping to keep things in check
• Web UI to view transactions, accounts, and balances
• Web UI to add credentials for new accounts
• Can deploy as a single binary or as a Docker container

For future features, see below

Install

Choose one of the following options:

• Run the container image from Docker Hub:

DATA_DIR=$HOME/sage
mkdir "$DATA_DIR"
docker run \
    --detach \
    --name sage \
    --publish 127.0.0.1:8080:8080 \
    --volume "$DATA_DIR":/data \
    johnstarich/sage
# Visit http://localhost:8080 in your browser

• Download and install the latest release from the releases page or this script:

curl -fsSL -H 'Accept: application/vnd.github.v3+json' https://api.github.com/repos/JohnStarich/sage/releases/latest | grep browser_download_url | cut -d '"' -f 4 | grep -i "$(uname -s)-$(uname -m)" | xargs curl -fSL -o sage
chmod +x sage
./sage -help  # Optionally move sage into your PATH

• OR download the source and build it: go get github.com/johnstarich/sage

Usage

For available options, run sage -help

Data storage

Sage uses a ledger (plain text accounting) file, a simple JSON-encoded accounts file, and an hledger rules file. You won't need to know about these files to use Sage. However, if you're a power-user, then these formats may come in handy.

The ledger will store all of your transactions in plain text so you can easily read it with any text editor. It also supports several other tools that can generate reports based on your ledger.

Warning: Some banks, like Bank of America, may charge a fee for downloading transactions. While this is uncommon, we are not responsible for these charges. Do your homework if you want to be certain these charges won't apply to you.

The rules file is a format designed by the hledger project for importing CSVs. This file will help Sage automatically categorize incoming transactions into the appropriate accounts for your ledger. After a transaction has been imported, it is assigned an account (category) from this file. To follow convention, only include rules to change the account2 field or a comment. While changing account1 is supported, it will likely cause problems with Sage since account1 is assumed to be the source institution of the transaction. Currently, the web UI only supports account2.

Future work

• Budget tracking (maybe add over-budget notifications)
• Forecasts on current transactions to identify trends
• Automatic version control to reduce risk of data loss
• Smarter categorization by training on current ledger

Awesome libraries 👏

Sage relies on aclindsa/ofxgo for it's excellent Go implementation of the OFX spec.