YNAB Alternatives

Practice zero-based, envelope-style budgeting without a subscription. Discover open source, self-hosted alternatives to YNAB and Mint for tracking accounts and giving every dollar a job.

Open Source, Self-Hosted YNAB Alternatives

Actual Budget

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Actual Budget is an open-source, local-first personal finance app built around zero-based (envelope) budgeting, and a self-hosted alternative to YNAB. Every budget is a local file that works fully offline, with optional end-to-end encrypted sync across devices. It imports transactions by file or bank-sync integrations and includes rules, scheduled transactions, and reporting.

9/7/20262961 contributors