YNAB alternatives
Killing $109/yr (~$1308/yr) — here are 2 verified escapes, honest trade-offs included.
the answer medium migration
Actual Budget · Free ⭐ 28.4K stars The open-source envelope budgeter YNAB users keep switching to.
you stop paying $109/yr → keep ~$1308/yr
head-to-head
| YNAB | Actual Budget | |
|---|---|---|
| price | $109/yr | Free |
| self-hostable | no | yes |
| license | proprietary | MIT |
| verified | — | 2026-08 |
| migration | — | medium effort |
free & open source (2)
Free
The open-source envelope budgeter YNAB users keep switching to.
trade-offs: Reports less refined
github →Free
Track every cent with budgets, rules and beautiful charts.
trade-offs: More configuration than YNAB
github →faq
What is the best free alternative to YNAB?
Actual Budget is the top free option — The open-source envelope budgeter YNAB users keep switching to.
How much can I save by switching from YNAB?
YNAB costs $109/yr, so switching to a free alternative saves roughly $1308/year per seat.
Can YNAB be self-hosted?
Yes — Actual Budget and Firefly III can be self-hosted for free.