All alternatives › YNAB
Indie alternatives to YNAB
5 products made by independent developers and small teams that do what YNAB does, 3 of them with a free plan. Free and open-source options come first.
At a glance
| Product | Price | Open source | Self-host | Platforms |
|---|---|---|---|---|
| Actual Budget | Free | Yes | Yes | Web, Self-hosted, Windows, Mac, Linux |
| Firefly III | Free | Yes | Yes | Web, Self-hosted |
| Goodbudget | Free plan | – | – | Web, iOS, Android |
| Buckets | Paid | – | – | Mac, Windows, Linux |
| Lunch Money | Paid | – | – | Web, iOS, API |
The alternatives
1. Actual Budget
Open-source, local-first personal budgeting app
Actual Budget is a free envelope-budgeting app you can run locally or self-host, with bank syncing options and multi-device sync.
Free · Web, Self-hosted, Windows, Mac, Linux · Website ↗
2. Firefly III
Self-hosted personal finance manager
Firefly III is a free, open-source app for tracking expenses, budgets and accounts on your own server.
Free · Web, Self-hosted · Website ↗
3. Goodbudget
Envelope budgeting app you can share
Goodbudget is a virtual envelope budgeting app that syncs between devices for households and couples.
Free plan · Web, iOS, Android · Website ↗
5. Lunch Money
Personal finance and budgeting app for modern spenders
Lunch Money is a budgeting and expense tracking web app with multi-currency support, bank syncing, rules and a developer API.
Paid · Web, iOS, API · Website ↗
Questions
Is there a free alternative to YNAB?
Yes. 3 of the 5 indie alternatives listed here have a free plan or are free: Actual Budget, Firefly III and Goodbudget.
Is there an open-source alternative to YNAB?
Actual Budget and Firefly III are open source.
Can I self-host an alternative to YNAB?
Yes: Actual Budget and Firefly III can run on your own server.
Which YNAB alternatives work on Mac, Windows, iPhone or Android?
On Mac: Actual Budget and Buckets. On Windows: Actual Budget and Buckets. On Linux: Actual Budget and Buckets. On iPhone and iPad: Goodbudget and Lunch Money. On Android: Goodbudget. On the web: Actual Budget, Firefly III, Goodbudget and 1 more.
What makes these alternatives to YNAB “indie”?
They are built by independent developers or small teams rather than large companies. Each one is listed because it does the same core job as YNAB.
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