Actual

Actual Budget is a free, open-source, local-first personal finance app built around envelope budgeting. Your data lives on your device, and an optional sync server keeps changes in step across devices. You can run it as a desktop app on Windows, Mac and Linux, self-host it with Docker, or use a low-cost hosting service.

Actual helps you assign every dollar a job with envelope budgeting, track accounts and transactions, and see reports on your spending. Sync between devices is optional and can be end-to-end encrypted. Community guides help you start fresh or migrate from other budgeting apps.

Actual gives you a fast, private budgeting app without a subscription, and you keep ownership of your financial data. It is MIT-licensed and community-run.

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• YNABEnvelope budgeting app, sold as a subscription.
• Monarch MoneyHosted personal finance and budgeting app, sold as a subscription.
• Firefly IIINo. 261Open-source, self-hosted personal finance manager.

See every open-source alternative to YNAB and Monarch Money in the collection.