Actual Budget

Local-first envelope budgeting app, free and open source.

PriceFree

PlanFree (MIT)

Cheapest first year$0

Made byOpen source

Platformsweb, Windows, Mac, Linux

You give upSyncing devices needs a server you host or pay a host for.

ReplacesYNAB

CategoryBudgeting

✓ Price checked 2026-10-24 Read on the official pricing page. · Who makes it
Note: US bank sync goes through SimpleFIN, a separate paid service.

Against YNAB, Actual Budget saves $180 in the first year. Compare side by side →