Open-source alternatives to YNAB

3 community-reviewed projects you can use instead of YNAB.

1. Firefly III - Free, self-hosted personal finance manager you run on your own server (e.g. via Docker) to track expenses and income with budgets, categories, tags, imports and detailed financial reports, without uploading your records to a cloud service. (Licence: AGPL-3.0)
2. Actual Budget - Local-first, open-source budgeting app using YNAB-style envelope budgeting — assign every dollar a category, work offline on desktop or self-hosted sync, and keep your financial data on your own device instead of a vendor's server. (Licence: MIT)
3. Money Manager Ex - Money Manager Ex (MMEX) is a free, open-source, cross-platform personal finance program that organises bank, cash and asset accounts, tracks where your money goes, and supports budgets, recurring transactions, multiple currencies and reports on Windows, macOS and Linux. (Licence: GPL-2.0)