WYGIWYH Hosting Live In 5 Minutes

Deploy WYGIWYH hosting and track what you earn and spend on your own server. xCloud runs the pinned WYGIWYH 0.23.2 image with a private PostgreSQL 15 database, generates the admin password, secret key and database password, mounts persistent volumes for your data and uploaded files, and publishes the app over HTTPS with public sign-up disabled. Sign in with the admin email you entered at install.

Deploy your WYGIWYH

No terminal
No technical skills needed
No lock-in, cancel anytime

What is WYGIWYH?

WYGIWYH, short for What You Get Is What You Have, is an opinionated and powerful finance tracker for people who prefer a no-budget approach. Upstream's principle is to use what you earn this month for this month and treat savings as untouchable, and it offers unified transaction tracking, multiple accounts, out-of-the-box multi-currency support, custom currencies, rules that adjust transactions, a dollar-cost average tracker and an API. Self-hosted WYGIWYH is the alternative to a spreadsheet that has outgrown its tabs, under the AGPL-3.0 licence.

On xCloud it is WYGIWYH 0.23.2 with PostgreSQL 15, both pinned by digest, on wygiwyh_postgres and wygiwyh_attachments volumes. Public sign-up is disabled and every page except sign-in requires login. Email delivery is not configured because the template sets no SMTP settings. The generated admin password only seeds the first account.

From Sign-Up to Your First Transaction In 3 Easy Steps

A WYGIWYH stack normally means the app, a PostgreSQL database, generated secrets, volumes, a domain and a certificate before the first transaction. This is the same result without assembling any of it.

Step 01
Sign Up
Create your xCloud account and pick WYGIWYH from the OneClick catalog. Choose your domain and target server, then enter the administrator email you will sign in with.
Step 02
We Deploy It For You
One click. We bring up the official WYGIWYH image pinned by digest with a private PostgreSQL 15 database that publishes no host port, mount the wygiwyh_postgres and wygiwyh_attachments volumes, generate the admin password, secret key and database password, and publish the app over HTTPS.
Step 03
Add Your First Transaction
Save the admin password from the protected installation credentials, wait about two minutes for the first start to apply migrations, then sign in over HTTPS. Create your currencies and accounts, then record your first transaction.

Everything WYGIWYH Does, On Your Own Server

WYGIWYH runs in full here: a multi-currency finance tracker on your own domain, backed by a database you own.

Unified Transaction Tracking
Record all your income and expenses in one place, organised across the accounts where your money and assets are kept.
Multi-Currency Support
Track transactions and balances in different currencies out of the box.
Custom Currencies
Create your own currencies for crypto, rewards points or any other unit you want to follow.
Dollar-Cost Averaging Tracker
A built-in tracker for recurring investments, aimed at crypto and stocks.
Rules And API
Upstream provides customisable rules that adjust transactions automatically, and an API for connecting other services.
Attachments On A Persistent Volume
Files attached to transactions are stored on the wygiwyh_attachments volume and were still present after a restart in QA.

Everything You Need To Run Your Finance Tracker 24/7

Managed hosting for WYGIWYH, so the parts that keep it online are not your problem.

WYGIWYH 0.23.2 deployed instantly
Official image pinned by digest
Admin and database passwords generated
Public sign-up disabled
Free SSL certificate
Server backups and snapshots
Server security updates included
Choose your server region
Unused balance refunded

What You Can Do With WYGIWYH

Track income and spending in several currencies
Record transactions in different currencies across accounts and see balances without converting by hand.
Keep this month's money separate from savings
Follow the use-what-you-earn principle, with savings tracked but treated as untouchable for later months.
Handle credit card quirks
Write rules that adjust transactions automatically, for billing cycles or other oddities of how you pay.
Track recurring investments
Use the built-in dollar-cost average tracker for regular purchases such as stocks or crypto.

WYGIWYH Screenshots

The WYGIWYH monthly view showing a transaction with income, expenses and total summary cards

The WYGIWYH monthly view after a restart, with the transaction and its attachment still present

WYGIWYH vs Alternatives

Spreadsheets: Upstream's author started with a spreadsheet until multiple currencies, accounts and investments made it unwieldy. WYGIWYH adds accounts, currencies, rules and an API in one app.
Firefly III: Firefly III has its own OneClick page as a self-hosted personal finance manager built around budgets. WYGIWYH is explicitly not a budgeting app and uses a use-what-you-earn principle.
Actual Budget: Actual Budget has its own OneClick page as a local-first envelope budgeting application. WYGIWYH avoids budgeting constraints, and tracks transactions, net worth and investments instead.
Sure: Sure has its own OneClick page as another self-hosted finance application. WYGIWYH is opinionated, with custom currencies and transaction rules.

Simple Pricing. Everything Included.

Dedicated Cloud VPS sizes, pre-configured for WYGIWYH hosting. Pick the one that fits, and resize any time.

Cloud VPS 6 GB

Cloud VPS 16 GB

More headroom if WYGIWYH sits alongside other personal tools.

$59.99per month

16 GB RAM
6 vCPU cores
200 GB NVMe SSD
30 TB
Unlimited

Get started

Every size is a dedicated Cloud VPS we provision, patch, monitor and restore. Billed monthly with no lock-in — delete the server and the unused balance comes back to your account. WYGIWYH itself is licensed by its maintainers under AGPL-3.0.

Docker hosting

Already Have a Server? Bring Your Own

Connect any VPS — DigitalOcean, Vultr, Linode, AWS, Hetzner or bare metal — and deploy WYGIWYH on it through the same panel, for a per-server management fee instead of a Cloud VPS rental.

Free

Start your journey without cost.

$0forever

1 server
10 sites

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Professional

The same platform, discounted at 6–10 servers.

$4per server / month

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Unlimited sites
All features included
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Agency

The same platform, discounted at 11+ servers.

$3per server / month

11+ servers
Unlimited sites
All features included
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Priced per connected server, so your rate adjusts automatically as you add or remove servers. You pay your own provider for the server itself.

Self-managed hosting

Ready To Run Your Own Finance Tracker?

WYGIWYH on xCloud runs on a dedicated Cloud VPS that we provision, patch, monitor and restore. Deploy faster. Own the server. Stay in control.

Fast Provisioning
Deploy faster using an xCloud Managed Server built with optimized stacks and high-speed SSDs.
Enterprise-grade security
Protect your infrastructure with a free SSL certificate and more advanced security features at no additional cost.
Intuitive Control Panel
From Server creation to application deployment, everything can be managed from our intuitive control panel.

Hear what people are saying about us

See why agencies, developers, startups, and growing businesses choose xCloud to power their projects.

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Frequently Asked Questions

Feel free to contact us with any questions or concerns you may have.

Can you self-host WYGIWYH with Docker?

Yes. Upstream's how-to uses Docker with docker-compose, and this template is WYGIWYH Docker hosting already assembled: the 0.23.2 image and PostgreSQL 15 pinned by digest, with two volumes, generated secrets and HTTPS. This gives you your own WYGIWYH cloud finance tracker.

How much RAM does WYGIWYH need?

WYGIWYH requires 1024 MB memory, 1 core and 5 GB storage; idle use in QA was about 416 MiB, app 343 MiB plus PostgreSQL 73 MiB. The starting plan here is 6 GB, with room for attachments and years of transactions.

Is WYGIWYH free?

Yes, AGPL-3.0 open source with no software fee. The Cloud VPS is billed, and it can be cancelled any time. Transactions stay in a PostgreSQL volume under your control. Attachments and notes stay with it, under your own backups.

Is WYGIWYH a budgeting app?

No. Upstream calls it not a budgeting app, because its author dislikes budgeting constraints. It follows a simple principle: use what you earn this month for this month, and treat savings as untouchable for future months. Choose a budgeting tool if you want envelopes.

Does WYGIWYH support multiple currencies?

Yes. Upstream lists out-of-the-box multi-currency support for transactions and balances, plus custom currencies for crypto, reward points or any other model. Check the currency and exchange-rate settings inside the app so balances convert the way you expect.

How do I sign in to WYGIWYH for the first time?

Use the administrator email you entered at install and the generated admin password from the installation credentials. Public sign-up is disabled: the sign-up routes return 404 and every page except sign-in requires login, so nobody else can register an account.

Can I change the generated WYGIWYH admin password?

Yes, inside the app. ADMIN_EMAIL and ADMIN_PASSWORD in the environment only create the first account when no user with that email exists; they never change an existing password. Changing SECRET_KEY signs every user out, so keep it stable once people are signed in.

Does WYGIWYH send email?

No. Email delivery is not configured because this template sets no SMTP settings, so nothing sends password resets or notifications. Keep the admin credentials safe, since a lost password cannot be recovered by email and would need a reset from the server.

How do I back up WYGIWYH?

Back up both volumes: wygiwyh_postgres holds accounts, transactions and settings, and wygiwyh_attachments holds uploaded transaction files. Use PostgreSQL-native dump tooling or stop the stack before copying, keep an off-server copy, and test a restore. Never run docker compose down -v on a site you keep.

Backups in xCloud

How do I upgrade WYGIWYH?

The install stays on pinned 0.23.2 until you adopt a newer template version. Back up both volumes, go through upstream's release notes, then redeploy; migrations run when the app container starts. Existing sites are never upgraded automatically.

Can I cancel anytime?

Yes. There is no lock-in — cancel any time. Hosting is billed monthly and charged for what you actually use, so when you delete the server the unused balance is refunded to your account, less up to 10% in payment-processing fees.