Actual Budget alternatives: 9 apps ranked by verified data
Common reasons people leave Actual Budget: sync, mobile and bank sync need a server you run or rent, and no native phone app; mobile use is in the browser. We ranked 9 alternatives by how directly each one replaces Actual Budget, then by reviews, real visits and how recently each app's facts were checked against its own website. YNAB currently ranks first.
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Show all 9 alternativesThe best Actual Budget alternative for…
The highest-ranked app in this list for each need.
Best Actual Budget alternative for most people
YNABThe hosted, supported version of the same envelope approach, with native apps and no server to run.
Best Actual Budget alternative for a free option
Firefly IIIAnother free self-hosted money manager, with double-entry accounts, rules and an API for automation.
Best Actual Budget alternative for a free plan you can upgrade
GoodbudgetHosted envelope budgeting with a free plan and phone apps, no self-hosting needed.
Best Actual Budget alternative for open source
Money Manager ExFree offline desktop finance app that also tracks stocks and assets alongside budgets.
Best Actual Budget alternative for Mac
HomeBankFree desktop finance app that keeps everything offline, with detailed reports and charts.
Best Actual Budget alternative for Windows
SkroogeFree desktop app that keeps data in a local file and imports from many formats.
Best Actual Budget alternative for Linux
Money Manager ExFree offline desktop finance app that also tracks stocks and assets alongside budgets.
Best Actual Budget alternative for iPhone and Android
Hunter VaultAlso keeps data on your device, but as a phone app with a free core and no server to set up.
Best Actual Budget alternative for working in the browser
EveryDollarZero-based monthly budget with a simple mobile app, if you'd rather not host anything yourself.
Actual Budget alternatives: common questions
What is the best alternative to Actual Budget?
YNAB ranks first right now. The hosted, supported version of the same envelope approach, with native apps and no server to run. Goodbudget and Hunter Vault follow it in our ranking.
Is there a free alternative to Actual Budget?
Yes. Goodbudget (free plan + paid), Hunter Vault (free plan + paid), EveryDollar (free plan + paid) and Firefly III (open source) have a free option. Check each app's verified facts for current plan limits.
Is there an open-source alternative to Actual Budget?
Yes: Money Manager Ex.
Which Actual Budget alternatives work on Linux?
Money Manager Ex, HomeBank and Skrooge run on Linux.
Why do people switch from Actual Budget?
The complaints we hear most: sync, mobile and bank sync need a server you run or rent; no native phone app; mobile use is in the browser; support is through community channels.
How is this list ranked?
Every app is scored with the same published formula: how directly it replaces Actual Budget, reviews (weighted by verification), visits from AppBreakup, how recently its facts were checked against its own website, and reader votes.