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KMyMoney alternatives: 6 apps ranked by verified data

Facts checked Nov 1, 2026AppBreakup editorialHow we rank

Common reasons people leave KMyMoney: no mobile app or cloud sync, and online bank connections are limited and region-dependent. We ranked 6 alternatives by how directly each one replaces KMyMoney, then by reviews, real visits and how recently each app's facts were checked against its own website. YNAB currently ranks first.

Quick comparison

#AppPricingOpen sourcePlatformsVerified factsScore
1YNAB logoYNABPaidNoWeb, iOS, Android6 of 672.5
2Actual Budget logoActual BudgetOpen sourceYesWeb, Windows, macOS +26 of 670.1
3HomeBank logoHomeBankOpen sourceNoWindows, Linux, macOS4 of 462.6
4Money Manager Ex logoMoney Manager ExOpen sourceYesWindows, macOS, Linux +25 of 559.6
5GnuCash logoGnuCashOpen sourceYesWindows, macOS, Linux4 of 456.8
6Quicken Simplifi logoQuicken SimplifiPaidNoWeb, iOS, Android4 of 455.9
  1. YNAB logo

    1. YNABTop pick

    Best for: People who want a hands-on, zero-based method and will review their budget every few days

    PaidWeb, iOS, Android

    72.5

    score / 100

    Why switch from KMyMoney

    Paid zero-based budgeting with bank sync and polished mobile apps.

    Pros

    • A clear method: you only budget money you already have
    • 34-day free trial with no credit card
    • One subscription covers up to six people
    • Bank import or manual entry, synced across devices
    • No ads, and a large library of workshops and guides

    Cons

    • No free tier once the trial ends
    • $109 a year is at the high end of the category
    • Takes time to learn and regular attention to keep up
    Visit YNAB Details and reviews
    How this score is calculated
    Editorial fit ×0.363
    Reviews ×0.363
    Clicks (90 days) ×0.15100
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is YNAB a good KMyMoney alternative?

    Verified facts

    6 of 6 verified
    Annual price
    $109 per year
    Checked Oct 29, 2026ynab.com(opens source in a new tab)
    Monthly price
    $14.99 per month
    Checked Oct 29, 2026ynab.com(opens source in a new tab)
    Free trial
    34 days, no credit card needed
    Checked Oct 29, 2026ynab.com(opens source in a new tab)
    Sharing
    Up to six people on one subscription
    Checked Oct 29, 2026ynab.com(opens source in a new tab)
    Bank import
    Link accounts and import transactions automatically
    Checked Oct 29, 2026ynab.com(opens source in a new tab)
    Ads
    None
    Checked Oct 29, 2026ynab.com(opens source in a new tab)
  2. Actual Budget logo

    2. Actual Budget

    Best for: Technically comfortable people who want free envelope budgeting and control of their own data

    Open sourceSelf-hostableWeb, Windows, macOS, Linux, Self-hosted

    70.1

    score / 100

    Why switch from KMyMoney

    Open-source envelope budgeting with sync across devices and optional bank links.

    Pros

    • Free and open source, with no subscription
    • Local-first, with optional end-to-end encrypted sync
    • Optional bank sync in the US, Canada, UK and EU
    • Imports full YNAB history and common bank file formats

    Cons

    • 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
    Visit Actual Budget Details and reviews
    How this score is calculated
    Editorial fit ×0.369
    Reviews ×0.363
    Clicks (90 days) ×0.1571
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is Actual Budget a good KMyMoney alternative?

    Verified facts

    6 of 6 verified
    Method
    Envelope budgeting
    Checked Oct 29, 2026actualbudget.org(opens source in a new tab)
    Bank sync
    GoCardless (EU/UK), SimpleFIN (US/Canada)
    Checked Oct 29, 2026actualbudget.org(opens source in a new tab)
    File import
    QIF, OFX, QFX, CAMT.053 and CSV
    Checked Oct 29, 2026actualbudget.org(opens source in a new tab)
    Migration
    Built-in YNAB4 and nYNAB importers
    Checked Oct 29, 2026actualbudget.org(opens source in a new tab)
    Encryption
    Optional end-to-end encryption
    Checked Oct 29, 2026actualbudget.org(opens source in a new tab)
    Server
    Optional, needed for sync and bank sync
    Checked Oct 29, 2026actualbudget.org(opens source in a new tab)
  3. HomeBank logo

    3. HomeBank

    Best for: People who want free, offline budgeting and expense tracking on a desktop computer

    Open sourceWindows, Linux, macOS

    62.6

    score / 100

    Why switch from KMyMoney

    Free and simpler cross-platform money tracker with quick charts and budgets.

    Pros

    • Free and open source, with data kept on your computer
    • Rule-based categorisation and duplicate detection on import
    • Mature, with decades of development and many translations

    Cons

    • No official mobile app
    • No direct bank connections; you import statement files
    • macOS builds come only from third-party package managers
    Visit HomeBank Details and reviews
    How this score is calculated
    Editorial fit ×0.387
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.1585
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is HomeBank a good KMyMoney alternative?

    Verified facts

    4 of 4 verified
    License
    GPL v2 or later
    Checked Nov 1, 2026gethomebank.org(opens source in a new tab)
    Platforms
    Windows, Linux, FreeBSD, macOS (third-party)
    Checked Nov 1, 2026gethomebank.org(opens source in a new tab)
    Mobile app
    None official
    Checked Nov 1, 2026gethomebank.org(opens source in a new tab)
    Duplicate detection
    Yes
    Checked Nov 1, 2026gethomebank.org(opens source in a new tab)
  4. Money Manager Ex logo

    4. Money Manager Ex

    Best for: People who want a free, offline money tracker with budgets and investments and no bank-login cloud.

    Open sourceWindows, macOS, Linux, Android, iOS

    59.6

    score / 100

    Why switch from KMyMoney

    Free, lightweight finance manager with a mobile companion app.

    Pros

    • Free and open source with no ads or subscription
    • Tracks stocks, shares and assets alongside everyday spending
    • Local database file with optional encryption
    • Custom reports with SQL, Lua and HTML for power users

    Cons

    • No automatic bank connections; imports are QIF or CSV files
    • Desktop interface feels dated next to modern budgeting apps
    • Syncing between devices means managing the database file yourself
    Visit Money Manager Ex Details and reviews
    How this score is calculated
    Editorial fit ×0.377
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.1585
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is Money Manager Ex a good KMyMoney alternative?

    Verified facts

    5 of 5 verified
    License
    GPL-2.0
    Checked Oct 29, 2026github.com(opens source in a new tab)
    Price
    Free, no ads
    Checked Oct 29, 2026moneymanagerex.org(opens source in a new tab)
    Platforms
    Windows, macOS, Linux, Android
    Checked Oct 29, 2026moneymanagerex.org(opens source in a new tab)
    Encryption
    AES-256
    Checked Oct 29, 2026moneymanagerex.org(opens source in a new tab)
    Import formats
    QIF and CSV
    Checked Oct 29, 2026moneymanagerex.org(opens source in a new tab)
  5. GnuCash logo

    5. GnuCash

    Best for: Bookkeeping-literate owners who want free desktop accounting and full control of their data

    Open sourceWindows, macOS, Linux

    56.8

    score / 100

    Why switch from KMyMoney

    The other big open-source finance app, stronger for small-business accounting.

    Pros

    • Free and open source with no subscription
    • Real double-entry accounting with invoicing and bills
    • Runs on Windows, macOS and Linux

    Cons

    • Dated interface with a learning curve
    • No cloud sync, bank feeds or mobile app
    • Few accountants accept GnuCash files
    Visit GnuCash Details and reviews
    How this score is calculated
    Editorial fit ×0.360
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is GnuCash a good KMyMoney alternative?

    Verified facts

    4 of 4 verified
    License
    GNU GPL
    Checked Oct 29, 2026gnucash.org(opens source in a new tab)
    Platforms
    Linux, BSD, macOS, Windows
    Checked Oct 29, 2026gnucash.org(opens source in a new tab)
    Latest stable release
    5.17
    Checked Oct 29, 2026gnucash.org(opens source in a new tab)
    Scheduled transactions
    Yes
    Checked Oct 29, 2026gnucash.org(opens source in a new tab)
  6. Quicken Simplifi logo

    6. Quicken Simplifi

    Best for: People who want automatic tracking with cash-flow forecasts at a modest yearly price

    PaidWeb, iOS, Android

    55.9

    score / 100

    Why switch from KMyMoney

    Commercial, cloud-based tracker with automatic bank sync, if you want less manual entry.

    Pros

    • Connects to 14,000+ financial institutions
    • Projected cash flow with what-if scenarios
    • Investment tracking and a retirement planner
    • Lower advertised price than many bank-synced apps

    Cons

    • No free plan; billed annually
    • Introductory price may change at renewal
    • Some features aren't supported on mobile
    Visit Quicken Simplifi Details and reviews
    How this score is calculated
    Editorial fit ×0.357
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is Quicken Simplifi a good KMyMoney alternative?

    Verified facts

    4 of 4 verified
    Price
    $3.99/month billed annually (listed down from $6.99)
    Checked Oct 29, 2026quicken.com(opens source in a new tab)
    Institutions
    14,000+
    Checked Oct 29, 2026quicken.com(opens source in a new tab)
    Cash-flow forecast
    Projects future balances, with what-if scenarios
    Checked Oct 29, 2026quicken.com(opens source in a new tab)
    Investments
    Cost basis, performance and real-time quotes
    Checked Oct 29, 2026quicken.com(opens source in a new tab)

The best KMyMoney alternative for…

The highest-ranked app in this list for each need.

YNAB logo

Best KMyMoney alternative for most people

YNAB

Paid zero-based budgeting with bank sync and polished mobile apps.

Actual Budget logo

Best KMyMoney alternative for a free option

Actual Budget

Open-source envelope budgeting with sync across devices and optional bank links.

Money Manager Ex logo

Best KMyMoney alternative for open source

Money Manager Ex

Free, lightweight finance manager with a mobile companion app.

Actual Budget logo

Best KMyMoney alternative for self-hosting

Actual Budget

Open-source envelope budgeting with sync across devices and optional bank links.

HomeBank logo

Best KMyMoney alternative for Mac

HomeBank

Free and simpler cross-platform money tracker with quick charts and budgets.

GnuCash logo

Best KMyMoney alternative for Windows

GnuCash

The other big open-source finance app, stronger for small-business accounting.

Actual Budget logo

Best KMyMoney alternative for Linux

Actual Budget

Open-source envelope budgeting with sync across devices and optional bank links.

Quicken Simplifi logo

Best KMyMoney alternative for iPhone and Android

Quicken Simplifi

Commercial, cloud-based tracker with automatic bank sync, if you want less manual entry.

YNAB logo

Best KMyMoney alternative for working in the browser

YNAB

Paid zero-based budgeting with bank sync and polished mobile apps.

KMyMoney alternatives: common questions

What is the best alternative to KMyMoney?

YNAB ranks first right now. Paid zero-based budgeting with bank sync and polished mobile apps. Actual Budget and HomeBank follow it in our ranking.

Is there a free alternative to KMyMoney?

Yes. Actual Budget (open source), HomeBank (open source), Money Manager Ex (open source) and GnuCash (open source) have a free option. Check each app's verified facts for current plan limits.

Is there an open-source alternative to KMyMoney?

Yes: Actual Budget, Money Manager Ex and GnuCash. Actual Budget can also be self-hosted.

Which KMyMoney alternatives work on Linux?

Actual Budget, HomeBank, Money Manager Ex and GnuCash run on Linux.

Why do people switch from KMyMoney?

The complaints we hear most: no mobile app or cloud sync; online bank connections are limited and region-dependent; windows and Mac builds come from CI pipelines, less polished than Linux.

How is this list ranked?

Every app is scored with the same published formula: how directly it replaces KMyMoney, reviews (weighted by verification), visits from AppBreakup, how recently its facts were checked against its own website, and reader votes.