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

   27k Nodejs MIT today

   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 today

   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

   Ghostfolio

   Self-host: Moderate

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

   8.8k Docker AGPL-3.0 yesterday

   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 →
4. #4

   Sure

   Self-host: Moderate

   Personal finance app for everyone — a maintained fork of Maybe

   8.7k Docker AGPL-3.0 today

   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

   RepoDetails & deploy →
5. #5

   Wallos

   Self-host: Easy

   Lightweight self-hosted personal subscription tracker with statistics

   8.1k PHP GPL-3.0 5 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

   RepoDetails & deploy →
6. #6

   ezbookkeeping

   Self-host: Easy

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

   5.1k Go MIT 2 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

   RepoDetails & deploy →