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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
1Actual Budget logoActual BudgetOpen sourceYesWeb, Windows, macOS +26 of 670.1
  1. Actual Budget logo

    1. Actual BudgetTop pick

    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)

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.