EU Sovereignty Score
Self-hosted / open sourceFintech & NeobanksHeadquarters: DE

KMyMoney: sovereignty score and 8 European alternatives

KMyMoney is a personal finance manager for desktop and notebook computers, available for Linux, macOS and Windows. It is built on KDE frameworks and offers a broad set of tools for tracking personal finances. According to the project, it uses double-entry accounting, puts emphasis on ease of use for non-technical users, and provides the core features found in commercial personal finance managers.

KMyMoney is maintained by the KDE community. KDE e.V., the non-profit association with its registered seat in Berlin, holds the KDE trademarks and supports the community. The source code is licensed under GPL-2.0-or-later and publicly available, so organisations can review and build it themselves. The project website describes no cloud or hosted service: the application runs on the user's own computer, so financial records stay under the control of the organisation that runs it, without a vendor-side data processing relationship.

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Sovereignty score
94 / 1000 = high exposure
100 = sovereign
  • Jurisdiction SOV-2100
    Headquartered in the EU: European law applies
  • Data residency SOV-3100
    EU-only hosting
  • Cryptographic key sovereignty SOV-390
    Self-hostable: encryption keys under your own control
  • Freedom from lock-in SOV-680
    Open source: low switching costs
  • Source & runtime sovereignty SOV-4 · SOV-6100
    Source code auditable, forkable and self-hostable

SOV codes: the matching objective in the European Commission's Cloud Sovereignty Framework. Official source

How the score is calculated

Facts and evidence

Last checked October 12, 2026
Headquarters
DE (EU)Verified by hand
Sovereignty model
Open-source, distributedVerified by hand
Data hosting
EUVerified by hand
Open-source
YesVerified by hand
GDPR-compliant
NoVendor-stated
Category
Fintech & Neobanks
Type
Product
Website
kmymoney.org ↗

How we verify · Something wrong? Suggest a correction

Top EU-based & GDPR-compliant alternatives to KMyMoney

The European alternatives to KMyMoney come from our knowledge base of over 7,800 vendors. We only list vendors headquartered in the EU or the EEA; fully European-owned vendors rank before vendors with a foreign owner. For each alternative you see the country, the open-source status and a short description.

Score per alternative: 0 = high exposure, 100 = sovereign

144 European Fintech & Neobanks vendors are in the catalogue. View the whole category · Submit an alternative · View category on the map

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Why digital sovereignty matters with KMyMoney

KMyMoney is headquartered in DE and therefore falls under European law: the GDPR, NIS2 and the Data Act. No foreign legislation can compel access to your data.

Data is hosted exclusively in the EU, so KMyMoney scores best on data residency.

KMyMoney is open source. You can audit the source code, self-host the software and keep the encryption keys under your own control. Switching is easier because data and software are not tied to a single party.

What this means for your organisation depends on your whole stack and context. The free assessment weighs KMyMoney together with your other vendors and gives a total score, a heatmap and the main risk drivers.

Frequently asked questions

What is the best European alternative to KMyMoney?

It depends on your use case. Strong EU alternatives to KMyMoney include 1822direkt, ActivoBank and Air Bank. On this page you can compare 8 EU alternatives by jurisdiction, data residency and open-source status.

Are there open-source alternatives to KMyMoney?

Our list of EU alternatives to KMyMoney is mostly commercial options. Browse the category on the map for open-source choices.

Is KMyMoney GDPR-compliant and where is the data hosted?

KMyMoney is headquartered in DE (EU) and hosts data in EU. It is also open-source, so you can self-host it. That makes KMyMoney an EU-sovereign choice in its own right; the EU alternatives on this page are comparable European tools.

Details and sources

Verified by handHeadquarters, owner, hosting locations and licence have been checked by us against public sources. Free of charge and for every vendor, not a paid label. Nothing in this knowledge base is taken over automatically. Last checked on October 12, 2026.

Sources

Public sources used in the latest check of this record.

Compliance evidence

The links below point to the vendor's own public documents. We only record what we found: a missing link means "not found publicly", not "not compliant".

No public compliance evidence has been recorded for this vendor yet. Do you know its DPA or subprocessor list? Something wrong? Suggest a correction

Digital sovereignty in Fintech & Neobanks

Fintech & Neobanks: Digital banks, neobanks, money transfers and fintech services. In this category the choice of vendor determines who has legal access to your data, where that data lives and how easily you can switch later.

Also in this category

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8 European alternatives to KMyMoney — GDPR-compliant & EU-hosted · EU Sovereignty Score