13 Best Open Source YNAB Alternatives
A curated collection of the 13 best open source and self-hosted alternatives to YNAB in 2026.
Looking for a free, privacy-friendly, or self-hosted replacement for YNAB in 2026? The top open-source alternative is Maybe — Open source personal finance app.
Other highly rated open-source YNAB alternatives include Actual, Firefly III and Midday.
Open source personal finance app
Maybe Finance is a self-hosted personal finance application designed to help individuals and small teams manage their money with privacy and control. Built with modern web technologies, it offers a comprehensive suite of tools for budgeting, expense tracking, and financial insights. - Self-Hosted: Full control over your financial data with optional self-hosting - Budgeting Tools: Create and manage budgets with customizable categories - Expense Tracking: Monitor spending with detailed transaction categorization - Financial Insights: Generate reports and analytics on your spending habits - Multi-Currency Support: Track finances in multiple currencies - Privacy Focused: No third-party tracking or data collection - Open Source: Fully transparent codebase with community contributions - Modern UI: Clean, intuitive interface for easy navigation - Tech Stack: Ruby on Rails, PostgreSQL, React - Self-Hosting: Docker-based deployment available - Requirements: Docker, Docker Compose, PostgreSQL - Installation: Single command deployment with Docker Compose - Updates: Regular updates with community-driven improvements
Privacy-focused envelope budgeting app with local-first sync and end-to-end encryption
Actual Budget is a fast, privacy-focused finance management app built around the proven Envelope Budgeting methodology. Unlike automated finance tools, Actual empowers you with control and clarity over your financial decisions. - Local-first architecture: Works offline with background sync across devices, ensuring privacy and reliability - Envelope budgeting: Realistic budgeting based on your actual income and spending, not estimates - End-to-end encryption: Optional E2E encryption keeps your financial data private even from the sync server - Multi-account tracking: View net worth and cash flow across all your financial accounts in one place - Bank sync integration: Built-in support for goCardless (EU/UK) and SimpleFIN (US/Canada) bank syncing - Transaction management: Streamlined interface for fast transaction entry, categorization, and split transactions - Reporting engine: Customizable reports including net worth, cash flow, and user-designed templates - Data portability: Import from YNAB4, nYNAB, QIF, OFX, QFX, CAMT.053, and CSV files - Undo/redo system: Robust version control for your financial data - Developer API: Full-featured local API for custom importers and integrations - Dark mode: System-aware theming options - Self-hosting: Full control over your sync server and data storage Actual is built as a local-first application with optional cloud sync. The core app runs entirely on your device while syncing changes across devices in the background. For maximum privacy, you can self-host the sync server or enable end-to-end encryption. The application is distributed as a desktop app with web-based demo available. Installation options include manual setup or one-click deployment through services like PikaPods.
Track transactions, budgets, and accounts with a double-entry system, multi-currency support, rule engine, and REST API. Fully self-hostable.
Track transactions, budgets, and accounts with a double-entry system, multi-currency support, rule engine, and REST API. Fully self-hostable.
All-in-one business stack for modern founders
Midday is an all-in-one business management platform designed for modern founders. It consolidates invoicing, time tracking, transaction reconciliation, and financial exports into one unified system, eliminating the need for multiple disjointed tools. - Automated Invoicing: Send invoices and track payments with real-time updates. - Transaction Reconciliation: Automatically sync and categorize transactions from connected accounts. - Time Tracking: Log billable hours and project time directly within the platform. - Receipt Management: Match receipts to transactions and automate expense tracking. - Financial Insights: Generate clean financial reports and exports for accountants. - Customer Management: Track customer performance and payment history in one place. - Document Storage: Centralize files and documents related to projects or clients. - AI Integrations: Connect with external tools via AI-powered workflows. Midday is a cloud-based SaaS platform with no self-hosting option. The service is designed for ease of use with automatic syncing to financial accounts (e.g., Stripe, AWS) and supports modern web browsers. While the platform leverages AI for integrations, the core functionality does not require AI models for operation.
Open-source personal finance tracker
Sure is an open-source personal finance platform designed to help individuals track, optimize, and manage their money effortlessly. Whether you're monitoring bank accounts, stocks, crypto, or debts, Sure provides a unified dashboard with AI-powered insights to simplify financial management. - Track Everything: Link bank accounts, stocks, crypto, and assets in one place with support for over 10,000 institutions. - Manual & Automated Transactions: Edit, categorize, and automate transactions with custom rules and CSV imports. - Budgeting & Optimization: Set limits, track spending, and receive AI-driven recommendations to optimize finances. - AI Assistant: Ask questions about your finances and get instant answers powered by AI. - Multi-Currency Support: Monitor assets and transactions in any currency. - Privacy-Focused: Open-source and self-hostable for full data control. - Community-Driven: Built by and for everyone, with active community support. - Open Source: Available on GitHub. - Self-Hosting: Deployable via Docker or manual setup. - Tech Stack: Ruby on Rails, PostgreSQL, React. - Documentation: Docs - Community: Join the Discord for support and contributions.
Private open-source investment tracker
Wealthfolio is a private, open-source investment tracker and personal finance app designed to help you manage your finances securely and locally. - Investments Tracking: Monitor holdings, performance, allocation, and income across all your accounts from various brokers and banks. - Net Worth Tracking: Visualize your complete financial picture by tracking assets and liabilities over time. - Spending & Budgets: Track cash flow, auto-categorize transactions, and create personalized budgets. - Portfolio Insights: Analyze asset allocation, sector exposure, and geographic distribution for better investment decisions. - Performance Dashboard: Compare accounts and benchmark against benchmarks like the S&P 500 or ETFs. - Retirement & FIRE Planner: Simulate retirement plans with a Monte Carlo Risk Lab and FIRE mode. - Goals & Save-Up Planner: Project savings targets with milestone glide paths and on-track status. - Allocation Targets & Rebalance: Set allocation targets and receive guidance on rebalancing your portfolio. Wealthfolio is built with modern web technologies and runs entirely locally on your devices. No account or cloud dependency is required, ensuring maximum privacy and control over your financial data. The app is open-source and can be self-hosted if desired.
Privacy-first open source personal finance dashboard
Ghostfolio is a privacy-first, open source dashboard for managing personal finances. It provides a comprehensive view of your net worth across multiple platforms, including cash, stocks, ETFs, and cryptocurrencies. - 360° View: Track your entire financial portfolio in one place, including assets across different platforms. - Web3 Ready: Use Ghostfolio anonymously and retain full ownership of your financial data. - Open Source: Benefit from transparency and community-driven development. - Data-Driven Insights: Make informed investment decisions with detailed asset allocation breakdowns. - Multi-Platform Support: Monitor cash, stocks, ETFs, and cryptocurrencies seamlessly. - Privacy-First: No tracking or data collection, ensuring your financial information remains private. - Live Demo: Try Ghostfolio before committing with a live demo available. - Self-Hosting: Deploy Ghostfolio on your own infrastructure for complete control. Ghostfolio is built with modern web technologies and can be self-hosted using Docker. The project is actively maintained on GitHub with over 9,000 stars and frequent updates. It supports various deployment options, including cloud providers and personal servers.
Open source self-hosted personal finance manager
ezBookkeeping is a lightweight, self-hosted personal finance application designed for individuals seeking privacy and control over their financial data. Built with a user-friendly interface, it offers powerful bookkeeping features while maintaining minimal resource usage. - Open Source & Self-Hosted: Full data ownership with privacy-focused architecture - Multi-Platform Support: Runs on Windows, macOS, Linux with x86, amd64, and ARM compatibility - Database Flexibility: Supports SQLite, MySQL, and PostgreSQL - Advanced Bookkeeping: Two-level accounts, categories, image attachments, location tracking, and scheduled transactions - AI-Powered Features: Receipt image recognition and MCP support for AI integration - Data Import/Export: Supports CSV, OFX, QFX, QIF, IIF, Camt.052, Camt.053, MT940, and compatibility with GnuCash, Firefly III, Beancount - Localization & Internationalization: Multi-language, multi-currency, multiple exchange rate sources, and custom date/number formats - Security Features: Two-factor authentication, OIDC external authentication, login rate limiting, and application lock - Modern UI: Optimized for both mobile and desktop with PWA support and dark mode - Cross-Platform Sync: Works seamlessly across devices - Installation: Available as Docker images, packaged files, and release binaries - Docker Hub: mayswind/ezbookkeeping - GitHub Repository: mayswind/ezbookkeeping - License: MIT License - Documentation: Comprehensive guides available at ezbookkeeping.mayswind.net - Demo: Live demo available at ezbookkeeping-demo.mayswind.net
Free open-source desktop accounting software
Frappe Books is a free, open-source desktop accounting application designed for simplicity and efficiency. Built with a modern UI, it eliminates the complexity of traditional accounting software by offering features like fuzzy search for quick invoice creation and a powerful template builder for customizable invoices. - Desktop-first accounting: Runs locally on your computer with all data stored in a single SQLite database file. - Fuzzy search shortcut: Press Ctrl+K to quickly create invoices or navigate to any feature from anywhere in the app. - Customizable invoice templates: Build invoices from scratch using HTML or choose from pre-built templates. - Comprehensive reporting: Includes Profit & Loss, General Ledger, and Balance Sheet reports. - Offline functionality: No internet connection required to use the software. - Open-source license: Released under AGPL-3.0, ensuring transparency and community contributions. - No subscription fees: Completely free with no hidden costs or cloud dependencies. Frappe Books is a desktop application built with Electron and uses SQLite for data storage. The entire application is self-contained, making it easy to install and run on Windows, macOS, and Linux. No server or cloud infrastructure is required, ensuring full data ownership and privacy.
Open source budgeting tool for privacy-focused wealth building
Financial Freedom is a self-hosted personal finance manager designed to help you stay on budget and build wealth without sacrificing your privacy. Unlike traditional financial tools that require trusting third parties with your sensitive data, Financial Freedom puts you in complete control of your financial information. - Bank Compatibility: Works with any bank that supports CSV exports, ensuring broad compatibility with financial institutions worldwide. - Automated Sync (Coming Soon): Future integration with API services like Plaid or Finicity for automated account data synchronization, plus a decentralized alternative for ultimate privacy. - Self-Hosting: Deploy Financial Freedom anywhere Docker runs—from cloud providers to a Raspberry Pi in your basement. - Privacy-First Design: Keep your financial data completely private and under your control, away from corporate or third-party access. - Wealth Building Tools: Track spending, create budgets, and set financial goals to help you build long-term wealth responsibly. - Open Source: Fully transparent codebase built on trusted open-source technologies. Financial Freedom is built on a robust stack of open-source technologies: - Laravel: A popular PHP framework known for its expressive and elegant syntax. - Redis: An in-memory data store used for caching, streaming, and message brokering. - Meilisearch: A flexible and powerful search engine for fast, user-focused searches. - Docker: Containerized delivery for easy deployment and scalability. - MariaDB: A reliable open-source relational database engine. - TailwindCSS: A utility-first CSS framework for rapid modern web development.
Open source paycheck-by-paycheck budgeting app
monetr is a personal finance application designed to help you manage your money paycheck by paycheck. It provides tools to budget effectively, track recurring expenses, and forecast your financial future with confidence. - Paycheck-by-Paycheck Budgeting: Manage your finances based on your paycheck schedule rather than a fixed monthly budget. - Recurring Expense Tracking: Budget for expenses that occur at any interval, not just monthly. - Bank Integration: Connect securely to your bank via Plaid for automated transaction updates. - Manual Transaction Uploads: Import OFX files directly from your bank for easy data entry. - Financial Forecasting: See a forecast of your finances based on your budget to plan ahead. - Mobile-Friendly: Access monetr on any device, including as a web app on desktop or mobile. - Self-Hosting: Deploy monetr on your own hardware for complete data privacy. - Open Source: All source code is publicly available for transparency and community contributions. monetr is built with modern web technologies and can be self-hosted on your own infrastructure. The project is open source and provides detailed installation guides for various deployment scenarios. It emphasizes data privacy and security, making it suitable for users who prefer to keep their financial data under their own control.
Privacy-first self-hosted personal finance tracker
YAFFA is a free, self-hosted personal finance application designed to help individuals track income and expenses, plan budgets, and monitor investments—all while ensuring complete data privacy. Unlike many budgeting apps, YAFFA does not require bank account access, keeping your financial information secure on your own server. - Privacy-First Design: No bank connections or third-party cloud storage—your data stays on your server. - Intuitive Transaction Management: Smart suggestions, automated receipt processing, and categorized spending insights for effortless budgeting. - Comprehensive Budgeting: Plan ahead with scheduled transactions, budgets, and detailed financial reports. - Investment Tracking: Gain insights through forecasted data and investment monitoring tools. - All-Accounts Dashboard: View balances, net worth, and cash flow in one place with visual waterfall charts. - No Setup Required: Test YAFFA instantly in the free sandbox before self-hosting. - Open Source: Fully transparent codebase under the MIT License. - Multi-Platform Support: Works on any device with a modern web browser. YAFFA is built with modern web technologies and can be self-hosted on your own server or local machine. The application supports Docker for easy deployment and includes comprehensive documentation for installation and setup. For more details, visit the official documentation. Quick Start: - Try the sandbox demo to explore features without installation. - Follow the installation guide for self-hosting. - Start tracking your finances with YAFFA’s intuitive interface.
Open-source subscription tracker for recurring billing
Suprascribe is an open-source platform designed to help users track and manage their subscriptions effortlessly. By automatically discovering subscriptions across various services, it ensures you never miss a billing cycle or face unexpected charges. - Automated Subscription Discovery: Scans connected accounts to identify all active subscriptions. - Recurring Billing Tracking: Monitors billing cycles and renewal dates in one centralized dashboard. - Financial Insights: Provides clear visibility into subscription spending patterns. - Open-Source & Self-Hostable: Fully customizable and deployable on your own infrastructure. - Privacy-Focused: No third-party tracking or data sharing. Suprascribe is built with modern web technologies and can be self-hosted using Docker or deployed directly on your server. The project is open-source and welcomes community contributions. Documentation is available in the repository for setup and configuration.
About YNAB
YNAB (You Need A Budget) is a proactive budgeting app designed to help you gain control over your finances. Unlike traditional budgeting methods, YNAB follows a zero-based budgeting approach where every dollar is assigned a job before it's spent.
Key Features of YNAB
- Proactive Budgeting: Plan your spending in advance with a zero-based budgeting system.
- Real-Time Sync: Connect your bank accounts for automatic transaction tracking and updates.
- Goal Tracking: Set and monitor financial goals to stay on track with savings and debt repayment.
- Debt Payoff Tools: Accelerate debt repayment with built-in strategies and progress tracking.
- Shared Budgets: Collaborate with partners or family members on shared financial goals.
- Mobile & Desktop Apps: Access your budget anytime, anywhere with seamless cross-platform support.
- Educational Resources: Learn budgeting best practices through free workshops, guides, and blog content.
- 34-Day Free Trial: Try YNAB risk-free with a full-featured 34-day trial (no credit card required).
Why YNAB Stands Out
YNAB is more than just a budgeting app—it's a financial philosophy that helps users break the paycheck-to-paycheck cycle. By giving every dollar a purpose, YNAB users report significant improvements in their financial well-being, including reduced stress and increased savings.
The app is built on four simple rules: Give Every Dollar A Job, Embrace Your True Expenses, Roll With The Punches, and Age Your Money. These principles help users shift from reactive to proactive money management.