12 Best Open Source YNAB Alternatives
A curated collection of the 12 best open source and self-hosted alternatives to YNAB in 2026.
Looking for a free, privacy-friendly, or self-hosted replacement for YNAB in 2026? The top open-source alternative is Maybe — Personal finance tracker that consolidates accounts, investments, and assets into a single net worth dashboard with goal tracking and projections..
Other highly rated open-source YNAB alternatives include Actual, Firefly III and Midday.
Personal finance tracker that consolidates accounts, investments, and assets into a single net worth dashboard with goal tracking and projections.
Personal finance tracker that consolidates accounts, investments, and assets into a single net worth dashboard with goal tracking and projections.
Privacy-focused envelope budgeting app with local-first sync and end-to-end encryption
Actual Budget is a fast, privacy-focused finance management app built around the proven Envelope Budgeting methodology. Unlike automated finance tools, Actual empowers you with control and clarity over your financial decisions. - Local-first architecture: Works offline with background sync across devices, ensuring privacy and reliability - Envelope budgeting: Realistic budgeting based on your actual income and spending, not estimates - End-to-end encryption: Optional E2E encryption keeps your financial data private even from the sync server - Multi-account tracking: View net worth and cash flow across all your financial accounts in one place - Bank sync integration: Built-in support for goCardless (EU/UK) and SimpleFIN (US/Canada) bank syncing - Transaction management: Streamlined interface for fast transaction entry, categorization, and split transactions - Reporting engine: Customizable reports including net worth, cash flow, and user-designed templates - Data portability: Import from YNAB4, nYNAB, QIF, OFX, QFX, CAMT.053, and CSV files - Undo/redo system: Robust version control for your financial data - Developer API: Full-featured local API for custom importers and integrations - Dark mode: System-aware theming options - Self-hosting: Full control over your sync server and data storage Actual is built as a local-first application with optional cloud sync. The core app runs entirely on your device while syncing changes across devices in the background. For maximum privacy, you can self-host the sync server or enable end-to-end encryption. The application is distributed as a desktop app with web-based demo available. Installation options include manual setup or one-click deployment through services like PikaPods.
Track transactions, budgets, and accounts with a double-entry system, multi-currency support, rule engine, and REST API. Fully self-hostable.
Track transactions, budgets, and accounts with a double-entry system, multi-currency support, rule engine, and REST API. Fully self-hostable.
All-in-one tool for freelancers and small businesses to manage finances, track time, store files, and send invoices efficiently.
All-in-one tool for freelancers and small businesses to manage finances, track time, store files, and send invoices efficiently.
An all-in-one personal finance platform. Track, optimize, grow, and manage your money through every stage of life.
An all-in-one personal finance platform. Track, optimize, grow, and manage your money through every stage of life.
Wealthfolio is a simple, secure desktop app for tracking investments and managing your wealth without compromising data privacy.
Wealthfolio is a simple, secure desktop app for tracking investments and managing your wealth without compromising data privacy.
Open-source wealth management software for tracking stocks, ETFs, and cryptocurrencies across multiple portfolios
Open-source wealth management software for tracking stocks, ETFs, and cryptocurrencies across multiple portfolios
A privacy-first personal finance app with two-level accounts, multi-currency support, AI receipt recognition, and broad data import from formats like GnuCash and Firefly III.
A privacy-first personal finance app with two-level accounts, multi-currency support, AI receipt recognition, and broad data import from formats like GnuCash and Firefly III.
A user-friendly desktop accounting software that helps businesses manage invoices, track expenses, and handle bookkeeping with a modern interface.
A user-friendly desktop accounting software that helps businesses manage invoices, track expenses, and handle bookkeeping with a modern interface.
Self-hosted alternative to Mint and YNAB for budgeting and building wealth while maintaining full control of your financial data.
Self-hosted alternative to Mint and YNAB for budgeting and building wealth while maintaining full control of your financial data.
Manage your money confidently with monetr, putting aside what you need and spending what you want
Manage your money confidently with monetr, putting aside what you need and spending what you want
About YNAB
Enjoy guilt-free spending and effortless saving with a friendly, flexible method for managing your finances.