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Finance · 13 alternatives

Instead of YNAB, try one of these 13.

Every alternative is lined up against YNAB on what people actually switch for: price, open source, self-hosting, offline use and platforms. YNAB sits in the first row, so you can see what you give up.

Show onlySorted by likes · 13 of 13
Alternative
Price
Open source
Self-host
Offline
Platforms
YNABWhat you have now
Zero-based budgeting that gives every dollar a job.
PricePaid
$15/mo
Open sourceNo
Self-hostNo
OfflinePartial
Platforms
Web · iOS · Android
Monarch Money#1
Modern budgeting and net-worth tracking, Mint-style.
PricePaid
$15/mo
Open sourceNo
Self-hostNo
OfflinePartial
Platforms
Web · iOS · Android
Actual Budget#2Our pick
Open-source, self-hosted envelope budgeting.
PriceFree
Open sourceYes
Self-hostYes
OfflineYes
Platforms
Web · Mac · Win · Linux
Copilot Money#3
Beautiful budgeting and net-worth tracking for Apple.
PricePaid
$13/mo
Open sourceNo
Self-hostNo
OfflinePartial
Platforms
Mac · iOS
Firefly III#4
Self-hosted personal finance manager.
PriceFree
Open sourceYes
Self-hostYes
OfflineNo
Platforms
Web
GnuCash#5
Double-entry accounting for personal and small business.
PriceFree
Open sourceYes
Self-hostNo
OfflineYes
Platforms
Win · Mac · Linux
HomeBank#6
Free desktop money manager with budgets, reports and bank imports.
PriceFree
Open sourceYes
Self-hostNo
OfflineYes
Platforms
Win · Mac · Linux
MoneyManager Ex#7
Cross-platform finance tracker for accounts, budgets and spending.
PriceFree
Open sourceYes
Self-hostNo
OfflineYes
Platforms
Win · Mac · Linux · Android · iOS
Cashew#8
Mobile-friendly expense and budget tracker with offline support.
PriceFreemium
Open sourceYes
Self-hostNo
OfflinePartial
Platforms
Web · Android · iOS
KMyMoney#9
KDE desktop finance manager with investments and online banking.
PriceFree
Open sourceYes
Self-hostNo
OfflineYes
Platforms
Win · Mac · Linux
Sure#10
Self-hosted finance platform that links thousands of banks.
PriceFree
Open sourceYes
Self-hostYes
OfflineNo
Platforms
Web
Skrooge#11
KDE finance tool for tracking, analyzing and reporting expenses.
PriceFree
Open sourceYes
Self-hostNo
OfflineYes
Platforms
Win · Mac · Linux
Wallet App#12
Budget planning and spending tracker across banks and currencies.
PriceFreemium
Open sourceNo
Self-hostNo
OfflinePartial
Platforms
Web · Android · iOS
My Expenses#13
Android-first expense manager with offline multi-account tracking.
PriceFreemium
Open sourceYes
Self-hostNo
OfflineYes
Platforms
Android

How to read this. “Yes” means fully supported by the maker. “Partial” means it works with caveats. Likes reflect community popularity; vendors can’t pay for them or for placement. Our pick, marked in lime, is the option we would point most people leaving YNAB to first. How we compare.

YNAB alternatives at a glance

YNAB is a paid finance app ($15/mo). We compared 13 alternatives: 10 are open source, 8 are completely free, 3 can be self-hosted and 7 work fully offline. The most popular is Monarch Money, with 460 likes, while our pick is Actual Budget.

Most liked overallMonarch Money

Modern budgeting and net-worth tracking, Mint-style.

Paid
Best free optionActual Budget

Open-source, self-hosted envelope budgeting.

Free · Open source · Self‑hostable · Works offline
Best open-source optionFirefly III

Self-hosted personal finance manager.

Free · Open source · Self‑hostable
Best to self-hostSure

Self-hosted finance platform that links thousands of banks.

Free · Open source · Self‑hostable

More finance apps

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