Best Open-Source YNAB Alternatives (2026)

The alternatives, reviewed

1. #1

   Actual

   Self-host: Easy

   Local-first zero-sum budgeting app with optional cross-device sync

   28k Nodejs MIT 7 days ago

   How it compares to YNAB

   • Bank sync coverage is narrower than YNAB's direct connections, especially outside the US/EU
   • No mobile native app; the web app is mobile-responsive but not fully optimised for touch
   • Investment tracking and net-worth projections are basic compared to Mint/Quicken
   • Multi-currency support is limited and requires manual workarounds

   RepoDetails & deploy →
2. #2

   Firefly III

   Self-host: Moderate

   Self-hosted personal finance manager with budgets, rules, and bank import

   24k PHP AGPL-3.0 6 days ago

   How it compares to YNAB

   • Bank import requires a separate importer container and CSV/OFX manipulation; no one-click bank sync
   • UI can feel complex and verbose for casual users compared to Mint's simplicity
   • No built-in mobile app; third-party apps exist but vary in quality
   • Investment and brokerage account tracking is limited compared to dedicated wealth tools

   RepoDetails & deploy →
3. #3

   Sure

   Self-host: Moderate

   Personal finance app for everyone — a maintained fork of Maybe

   9.2k Docker AGPL-3.0 6 days ago

   How it compares to YNAB

   • Community fork with a smaller contributor base; long-term maintenance cadence is uncertain
   • Bank connection / Plaid integration requires API credentials and is US-centric
   • No mobile native app; web-only interface
   • Budgeting and envelope features less developed compared to YNAB or Actual

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4. #4

   Ghostfolio

   Self-host: Moderate

   Wealth dashboard tracking stocks, ETFs, and crypto with privacy in mind

   9k Docker AGPL-3.0 7 days ago

   How it compares to YNAB

   • No budgeting or expense tracking; purely an investment portfolio tool
   • Market data depends on free Yahoo Finance tier, which can be rate-limited or return stale data
   • Tax-lot accounting and tax reporting are limited; not a replacement for dedicated tax software
   • Import from brokers is manual (CSV) unless you write a custom scraper

   RepoDetails & deploy →
5. #5

   Wallos

   Self-host: Easy

   Lightweight self-hosted personal subscription tracker with statistics

   8.3k PHP GPL-3.0 14 days ago

   How it compares to YNAB

   • No bank/account sync; subscriptions must be entered manually
   • No general budgeting categories or spending envelopes like YNAB
   • Reporting is limited to subscription totals — no net-worth or cash-flow views
   • No mobile native app; mobile access is browser-only

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6. #6

   Beancount

   Self-host: Easy

   Plain-text double-entry bookkeeping language and toolkit for financial data analysis

   5.8k Python GPL-2.0 2 months ago

   How it compares to YNAB

   • No GUI for entering transactions; all editing done in text files
   • No bank sync; imports require custom scripts or community importers
   • Learning curve for double-entry accounting concepts

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7. #7

   ezbookkeeping

   Self-host: Easy

   Lightweight self-hosted personal bookkeeping app with multi-currency support

   5.3k Go MIT 7 days ago

   How it compares to YNAB

   • No automatic bank/account import; transactions must be entered or imported via CSV
   • Budgeting is basic; no envelope or zero-based budgeting like YNAB
   • No bill reminders or subscription tracking
   • Reporting is limited to basic charts; no advanced financial planning features

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8. #8

   hledger

   Self-host: Easy

   Plain-text double-entry accounting in your terminal with powerful reporting and web UI

   4.6k Haskell GPL-3.0 8 days ago

   How it compares to YNAB

   • Plain-text workflow requires manual transaction entry or custom import scripts
   • No native bank sync/Open Banking integration
   • Web UI is read-only; edits must be made in text files

   RepoDetails & deploy →
9. #9

   Budge (Kresus)

   Self-host: Easy

   Self-hosted personal finance manager with automatic bank sync and rich analytics

   339 TypeScript MIT 10 days ago

   How it compares to YNAB

   • Bank sync via Woob covers mainly French and European banks
   • Not suitable for invoicing or business accounting
   • Smaller community means fewer community importers for exotic banks

   RepoDetails & deploy →