Omnipacto keeps track of costs, notice periods, price history and documents for families, individuals and small businesses. On your own hardware, no account, no subscription.
No vendor account, no telemetry, no connection to the outside that you did not set up yourself. Even the licence check runs on your own machine.
An archive sees five PDFs. Omnipacto sees one contract.
Omnipacto is not a file store. The contract is the master record; the paperwork hangs off it.
Five annual invoices from one insurer belong to one contract. An archive sees five PDFs – Omnipacto keeps them together. Omnipacto keeps each contract with its numbers, term, price and the documents that belong to it, by role: policy, terms, amendment, price change, invoice.
From minimum term, renewal and notice period Omnipacto computes the last day to cancel. The deadlines page shows a traffic light; reminders arrive in time via ntfy, e-mail or webhook.
Prices are never overwritten, only added with a date. Switching providers becomes a chain of predecessor and successor. So the 2023 price is still there later, and the question “what did we have back then?” has an answer.
Not what Omnipacto can do, but when it helps.
Setting up happens once, by one person. Everyone else gets an invitation by mail, sets their own password and opens Omnipacto in a browser – using it without any server knowledge.
Contract number, provider, policy – all on the contract, even while the other person is on a train. Documents open inside the application, with no separate archive login.
The old contract does not vanish, it becomes the predecessor. The 2023 price is still there, and so is the cancellation confirmation.
Illness, travel, separation, a death in the family: whoever has access sees at once what is running, what it costs and what is coming up. For the worst case there is an emergency dossier as a PDF.
Half a minute through the running application: what needs doing today – by name, not as a number –, a contract with its term, latest cancellation date and price history, the document behind it, the deadline traffic light, and finally a price jump Omnipacto found on its own. Recorded in the demo, no real data.
Prefer to try it yourself? The demo is open, the login is pre-filled on the sign-in page.
One mobile contract of the Beispiel family, across a provider switch. Every row stays, every row has its evidence.
| Valid from | Until | Plan | Customer number | Monthly |
|---|---|---|---|---|
| 01.11.2022 | 31.10.2024 | Smart M 2022 | TM-2022-88341 | 24.99 € |
| 01.11.2024 | current | Smart M 2024 | TM-2024-90177 | 19.99 € |
The old contract is not deleted; it is the predecessor of the new one. The customer number changed with the switch, the link remains. The same mechanism carries premium adjustments: the family’s home contents insurance shows 14.90 € from 2019 and 16.40 € from the 2023 adjustment, both rows, not just the last.
Most households keep a spreadsheet, a folder, or both. Which of them answers which question, and what a cloud service asks in return.
| Question | Spreadsheet or notes | Document archive e.g. Paperless-ngx | Contract app in the cloud | Omnipacto what this page is about |
|---|---|---|---|---|
| What does it cost per month? | added up by hand | not what it is for | yes | yes, per person and per object |
| Until when can we cancel? | if someone enters it | only as a field you maintain | yes | computed from term, renewal and notice period |
| Reminder before the deadline | put it in your calendar yourself | set it up yourself | yes, in the app | yes, via ntfy, e-mail or webhook |
| What did we have in 2022? | whatever was not overwritten | the PDFs, without the history | depends on the provider | price history and predecessor chain |
| Policy, terms, invoice on the contract | as a note, maintained by hand | as files with tags | uploaded to the provider | yes, by role, optionally linked from the archive |
| Actually cancelling | write it yourself | write it yourself | may cost extra, depending on the provider | letter as PDF, status until confirmed |
| If I am not around? | whoever finds the file | whoever has access finds the files | only through the account with the provider | emergency dossier as PDF, backup as ZIP |
| Where does the data live? | with you | with you | with the provider, with an account | with you on Server and Desktop, no account with the maker |
What a spreadsheet or an archive can do depends on how you set it up and what you add – with enough effort you get far. The difference is how much of it you have to build and keep current yourself. An archive such as Paperless-ngx stays useful: Omnipacto links the documents from there instead of replacing it.
All pictures show the demo family Beispiel, no real data. Click to enlarge.
The last day to cancel. Computed from minimum term, renewal rhythm and notice period, not typed in. Here: 1 December, 81 days to go.
The price history. 14.90 € since 2019, 16.40 € since the 2023 adjustment. Both rows stay, nothing is overwritten.
The documents by role. Policy, terms, price change. Each hangs off the contract, not in a folder.
Dates that are not cancellation days. Boiler service, car inspection, end of warranty: with reminders, on an object or contract, repeating if you like.
Special right to cancel. A price change letter on the contract creates the date itself: until when you may cancel without notice, with the statute.
The traffic light. Urgent, soon, relaxed. You set the thresholds; reminders go out via ntfy, e-mail or webhook, plus a calendar feed.
Legal hints. If the contract renews for longer than the law allows since 2022, it says so here: § 309 Nr. 9 BGB, § 56 TKG, § 11 VVG.
Planned, sent, confirmed. The cancellation letter comes ready as PDF, with numbers and provider address. The contract follows the process.
Dates on the contract. What is due for this contract lives with it. And the app installs on your phone like a native one.
Everything about Jonas. 13 contracts, 519.92 € a month. Holder and insured person are kept apart.
And everything tied to the house. Building, contents, electricity, gas, water, maintenance: eight contracts, 396.81 € a month.
Coverage. Person by person, line by line: green is an own contract, grey runs through the household, yellow is a gap.
The built-in viewer. The policy opens inside the application, no archive login, no download needed.
Date and role detected. 20.02.2019, policy. If you run Paperless-ngx, you attach from the archive; otherwise you upload PDFs.
The numbers are in the letter and end up in the contract. A local language model reads them; only what you confirm is applied.
Calendar subscription. Cancellation days and dates in your iPhone, Google or Outlook calendar, without a third-party service: subscribe to one address, done.
Home Assistant and scripts. One call returns the next deadline, monthly costs and what needs attention. The example is in the app.
Backup and emergency dossier. Everything as a ZIP to restore; and a PDF with every contract, number and way to cancel for an emergency. Plus a monthly letter.
None of it is required. If you already run one of these, you get it for free.
From an uploaded or linked document, Omnipacto pulls out contract number, premium, payment interval, start date, term and notice period – by fixed rules, without a language model, without a cloud, on any Raspberry Pi. Every value comes with its place in the document; only what you confirm is applied. If you run an Ollama model on your network, understanding of whole sentences comes on top – but it is not needed.
A paper contract gets photographed, an old PDF has no text layer: Omnipacto recognises the text itself (OCR for German and English, built in). After that the same applies as above – values with their source, for you to confirm.
If you run Paperless, you link documents straight from the archive – the files stay there, Omnipacto only remembers which paper belongs to which contract and in what role: policy, terms, amendment, price change, invoice. Without Paperless you upload files into the built-in store. Both work side by side.
A calendar subscription (ICS) puts cancellation dates, inspections and maintenance into the calendar on your iPhone, in Google or Outlook – where you look anyway. Plus reminders via ntfy, e-mail or a webhook into whatever you built yourself.
A status endpoint reports what is due: “2 cancellations in the next 30 days”. That turns into a dashboard card, a line in your morning briefing or a trigger for an automation. The full API is documented and ships with your instance.
Optional two-factor sign-in with any authenticator app – your choice, no particular vendor, plus recovery codes for the day the phone is gone. If you run your own identity provider, sign in via OpenID Connect. And if you want none of it, a password will do.
Every edition runs the same application. Server, Cloud and Desktop are usable today, Smartphone will follow.
Available
Self-hosted on a NAS, a mini PC or a server with Docker. For everyone in the household, from any device on the network.
Up to 10 contracts free, no time limit · beyond that €39 once
How to set it upAvailable
Operated by Omnipacto in a German data centre. No server, no Docker: create an account and start.
Up to 5 contracts free · beyond that €4.99 a month, cancel monthlyJust launched: the first users get three months of Plus as a gift, code ERSTENUTZER at checkout.
Create accountBeta
A Windows program with its own file. No server, no Docker, no network.
Up to 10 contracts free · beyond that €39 onceNo public download yet: the desktop edition is still being tested. Write to me if you would like to try it.
Ask for the betaPlanned: apps for Android and iOS. They build on the same application; starting with Server, Cloud or Desktop today means no data migration later. And whoever leaves the cloud takes everything along as a ZIP to their own server.
| Serverself-hosted | Cloudoperated by Omnipacto | DesktopWindows, macOS later | SmartphoneAndroid and iOS | |
|---|---|---|---|---|
| Availability | ||||
| Availability | available | available | beta | |
| Access and operation | ||||
| Price | free | €4.99 a month, cancel monthly | one-time purchase, price to follow | to follow |
| Free to use | up to 10 contracts | up to 5 contracts | up to 10 contracts | to follow |
| Requirements | a server, NAS or mini PC with Docker | a browser | Windows 10 or 11 | Android or iOS |
| Setup | one command, about ten minutes | sign up | an installer, two clicks | App Store or Play Store |
| Updates | manually, by command | included | automatic, in the program | through the store |
| Operation and availability | you | Omnipacto | you | you |
| Data | ||||
| Where it is stored | on your server | data centre in Germany | on your computer | on your device |
| Works offline | yes, on your own network | yes, fully | ||
| Backup | yourself: database and files | daily, automatic | export as ZIP | through the device backup |
| Account with the provider | none | required | none | none |
| GDPR data processing agreement | not applicable | included | not applicable | not applicable |
| Contracts | ||||
| Terms, price history, predecessor chain | ||||
| Cancellation day computed, traffic light | ||||
| Deadlines: inspection, maintenance, warranty | ||||
| Legal hints and special right to cancel | ||||
| Suggestions from the contract catalogue | ||||
| Cancelling as a process, letter as PDF | ||||
| Provider directory for the address | ||||
| Costs per line, person and object | ||||
| Coverage matrix per person | ||||
| Tax overview with CSV export | ||||
| Emergency dossier as PDF | ||||
| Import from a CSV file | ||||
| Search across contracts, providers and document text | ||||
| Documents | ||||
| Built-in document store | ||||
| Paperless-ngx integration | yes, on the same network | |||
| Reading documents with a language model | yes, with your own Ollama | yes, with Ollama on the network | ||
| Reading documents without AI (rules) | ||||
| OCR for photos and scans | ||||
| Reminders and interfaces | ||||
| Reminder by e-mail | with your own mail server | with your own mail account | ||
| Push to the smartphone through ntfy | ||||
| Notification on the computer | yes, in the browser (Web Push) | yes, in the browser (Web Push) | ||
| Monthly letter | with your own mail account | |||
| Calendar subscription | yes, on your own network | yes, from anywhere | on that computer only | |
| Home Assistant and webhooks | webhooks yes, reading local | |||
| Programming interface | local | |||
| Users and devices | ||||
| Several users with roles | ||||
| Access from several devices | on your own network | from anywhere | one computer | one device |
| Several households | ||||
| Single sign-on with OpenID Connect | ||||
| German and English, light and dark | ||||
| Two-factor sign-in (optional) | ||||
| Support | ||||
| Help and questions | documentation and community | by e-mail | by e-mail | to follow |
The Server and Cloud editions are available today. Desktop is in beta, Smartphone is planned. Anything marked „planned“ does not exist yet: nothing is announced here that does not run. info@omnipacto.de
A server, a NAS or a mini PC with Docker is enough. PostgreSQL comes along. Paperless-ngx, Ollama and ntfy are optional.
For anyone with a shell – the shortest route.
Omnipactocurl -O https://omnipacto.de/docker-compose.yml
docker compose up -dThen open http://your-server:8000 in a browser. Runs on amd64 and arm64; a Raspberry Pi 4 will do.
No shell needed – through Container Manager.
docker folder create a subfolder omnipacto and put the docker-compose.yml there.Then http://nas-address:8000. If the port is taken, change the left number in 8000:8000 in the compose file. Verified with DSM 7.4 and Container Manager 24.0.
No server in the house? Then you do not need one.
The Desktop edition is in beta. If you would rather run the Server edition: it works under Docker Desktop or in WSL2 with the same command as on the left.
Two lines, no config file: Omnipacto generates keys and passwords on first start. In the browser, the setup wizard creates your account and household. Your data lives in data/ next to the compose file – one folder, one backup. Stack: Python, FastAPI, PostgreSQL, React.
What the machine needs: Docker with Compose, for amd64 or arm64 – a Raspberry Pi will do. About 1 GB of memory and 3–5 GB of disk; the two images take roughly 1 GB of that, documents about 100 KB per PDF. No web server of your own required: Omnipacto brings its own. Apache, nginx or Caddy only if you want HTTPS access from outside.
Yes, at demo.omnipacto.de. The login is pre-filled on the sign-in page. The demo shows the fictional Beispiel family and is reset every night. Password, members and notifications are locked there; everything else you may touch.
No. Omnipacto has its own document store. If you run Paperless-ngx, you attach documents straight from the archive, where the files stay. Other sources are planned through an adapter interface.
Only if you want it to. The Server and Desktop editions run on your own hardware alone: no account with the maker, no telemetry, no outbound connection you did not set up yourself. For those who would rather not run a machine for it, there is the Cloud edition in a German data centre. The application is the same in every edition.
Optional and local. An Ollama model on your own network reads attached documents and proposes values, each with its source. Only what you confirm is applied. Without Ollama, only this feature is missing.
Up to ten contracts are free, with no time limit and no account. Beyond that you buy a licence once – no subscription, updates included, the same licence covers server and desktop. The Cloud edition costs €4.99 a month, cancel monthly, with five contracts free to try. Details on the pricing page.
Because Omnipacto is built by one person who would like to make a living from it – and because I prefer a one-off price over a subscription. That combination only works if the limit cannot be removed in thirty seconds; in open source it would be a single if statement. Everything that matters for self-hosting is untouched: Omnipacto runs on your hardware, there is no account with me, no telemetry and no outbound connection you did not set up yourself. Your data sits in an ordinary PostgreSQL database and a folder, and a full backup is one click away. If you stop using Omnipacto, you keep everything. That is the trade: no open source, but no subscription and no cloud either.
Yes. A household has several users with the roles owner, editor and reader. One person can be a member of several households, for example their own family and their parents.
It lives in a PostgreSQL database and a file folder on your device. Access only after sign-in, optionally through your existing identity provider via OpenID Connect. Document links are short-lived and bound to the household.
Omni is Latin for “all”, pacto is Spanish and Portuguese for “contract”. Omnipacto: all contracts. Exactly what the top of this page says. The name is invented, belongs to nobody else and can be pronounced in both languages without explanation. This line is the whole explanation.
Copy the database dump and the file folder to the new device, carry over the configuration, start. The licence key is bound to you, not to the machine – it simply moves with you.
For anyone who has three contracts and a note in the calendar. And for anyone expecting someone else to send the cancellation or negotiate tariffs: Omnipacto computes, reminds and hands you the finished letter, you send it. A missing server is no longer a reason to stay away, that is what the Desktop and Cloud editions are for.
Dates that are not cancellation days: car inspection, boiler service, end of a device warranty, with reminders and repetition. A calendar subscription for iPhone, Google or Outlook. A status call for Home Assistant and scripts. Legal hints when term or notice period are longer than German law allows since 2022. The special right to cancel after a price rise as a deadline. Cancelling as a process with a ready letter. A coverage overview per person, the yearly total for the tax return, an emergency dossier as PDF, a backup as ZIP, a monthly letter. And the app installs on your phone like a native app.
An archive sees five PDFs. Omnipacto sees one contract.