Open-source alternatives / YNAB
Actual Budget — free open-source YNAB alternative
29,262 GitHub stars
A local-first personal finance app
Replaces: YNAB + Mint — the paid alternative. Actual Budget does the same job and the licence is $0: you pay only for the server it runs on.
Why teams switch to Actual Budget
- $0 licence. The paid tool charges per seat every month. Actual Budget is free forever, including commercial use under its open-source licence.
- Your data stays yours. Actual Budget is self-hosted — it runs on your own server, so no third party holds your records.
- Proven at scale. 29,262 GitHub stars and an active contributor base mean real companies run this in production, not just hobbyists.
Trade-off, honestly: open-source means you (or an IT person) install and maintain it. If nobody on your team can run a server, the paid alternative may still be the right call — that is what it is charging for.