Best Self-Hosted YNAB Alternatives in 2026
YNAB (You Need A Budget) is a personal budgeting app based on the envelope method for proactive money management. Plans start at $14.99/mo.
27 Self-Hosted Alternatives to YNAB
Maybe
54KOpen-source personal finance and wealth management app. Track net worth, investments, spending, and debt in one self-hosted dashboard.
Actual
26KLocal-first personal finance app with envelope budgeting, bank sync, and cross-device synchronization.
Firefly III
23KFirefly III lets you run modern financial manager. It helps you to keep track of your money and make budget forecasts. It entirely on your own server.
Midday
14KMidday is a TypeScript-based application that provides all-in-one tool for freelancers and small businesses to manage finances.
Ghostfolio
8KGhostfolio is a self-hosted investment tracking tool that provides wealth management software for tracking stocks.
Sure
7.4KReleased under AGPL-3.0, Sure provides all-in-one personal finance platform. Track on self-hosted infrastructure.
Wealthfolio
7.2KSelf-hosted finance & budgeting tool that provides simple, secure desktop app for tracking investments and managing your wealth without compromising.
ezbookkeeping
4.5KEzbookkeeping is a self-hosted accounting replacement for Mint, Quickbooks, and more.
Frappe Books
4.5KFrappe Books lets you run user-friendly desktop accounting software entirely on your own server.
Financial Freedom
2.8KFinancial Freedom is a self-hosted budgeting & personal finance tool that provides alternative to Mint and YNAB for budgeting and building wealth while...
Spliit
2.6KSpliit is a self-hosted budgeting & personal finance replacement for Bitly, Buffer, and more.
ExpenseOwl
1.4KReleased under MIT, ExpenseOwl provides extremely simple expense tracker with a beautiful UI on self-hosted infrastructure.
OpenBudgeteer
944OpenBudgeteer is a C#-based application that provides budgete app based on the Bucket Budgeting Principle.
WYGIWYH
828WYGIWYH is a self-hosted budgeting & personal finance replacement for Mint and YNAB.
Budget Board
730Budget Board is a self-hosted budgeting & personal finance replacement for Mint and YNAB.
monetr
613Monetr gives you manage your money confidently with monetr, putting aside what you need and spending what you want on your own infrastructure.
BudgetBee
516BudgetBee is a JavaScript-based application that provides personal finance management system.
Ocular
455Ocular gives you simplistic and straightforward budgeting app to track your budget across months and years on your own infrastructure.
DollarDollar Bill Y'all
329DollarDollar Bill Y'all is a self-hosted budgeting & personal finance tool that provides expense tracking and bill-splitting application.
Subscription Manager
322Subscription Manager handles track subscriptions and manage expenses as a self-hosted solution.
DumbBudget
313DumbBudget handles stupidly simple personal budget as a self-hosted solution.
Ignidash
217Ignidash gives you personal finance planning app on your own infrastructure.
Piglet
110Piglet is a Python-based application that provides simple web app for managing household budgets.
SparkyBudget
107SparkyBudget handles personal finance management app as a self-hosted solution.
Thrifty
95Released under BSD-2-Clause, Thrifty provides simple monthly income and expense tracker on self-hosted infrastructure.
YAFFA
91YAFFA is a self-hosted finance & budgeting tool that provides personal finance web application.
SpendSpentSpent
70Self-hosted budgeting & personal finance tool that provides easy-to-use expense tracker.
Why Look for YNAB Alternatives?
YNAB (You Need A Budget) is a personal budgeting app based on the envelope method for proactive money management. Plans start at $14.99/mo.
Pricing
Here’s what YNAB charges for its plans:
You’re bad at money --- Free
Never worry about money again. --- Free
Self-hosted alternatives eliminate these recurring costs entirely. You pay only for your own infrastructure.
27 Best Open-Source Alternatives to YNAB
Maybe
AI-powered personal finance tool for budgeting, investing, and achieving financial goals with personalized recommendations — 54,048 GitHub stars. Licensed under AGPL-3.0.
Actual
Privacy-focused app for managing finances — 25,497 GitHub stars. Licensed under MIT.
Midday
All-in-one tool for freelancers and small businesses to manage finances, track time, store files, and send invoices efficiently. — 14,100 GitHub stars. Licensed under AGPL-3.0.
Wealthfolio
Wealthfolio is a simple, secure desktop app for tracking investments and managing your wealth without compromising data privacy. — 7,159 GitHub stars. Licensed under AGPL-3.0.
Ghostfolio
Open source wealth management software — 7,919 GitHub stars. Licensed under AGPL-3.0.
Frappe Books
A user-friendly desktop accounting software that helps businesses manage invoices, track expenses, and handle bookkeeping with a modern interface. — 4,471 GitHub stars. Licensed under AGPL-3.0.
Financial Freedom
Self-hosted alternative to Mint and YNAB for budgeting and building wealth while maintaining full control of your financial data. — 2,828 GitHub stars. Licensed under GPL-3.0.
Read full Financial Freedom review
monetr
Budgeting app with a focus on recurring expenses — 608 GitHub stars. Licensed under FSL-1.1-MIT.
YAFFA
Personal finance web application, that can be used to keep track of your money, expenses, budgets, and investments. It also helps with long-term financial planning — 91 GitHub stars. Licensed under MIT.
Firefly III
Manage your personal finances effortlessly. — 22,675 GitHub stars. Licensed under AGPL-3.0.
Sure
Personal finance app for everyone — 7,335 GitHub stars. Licensed under AGPL-3.0.
ezbookkeeping
Lightweight personal bookkeeping app — 4,471 GitHub stars. Licensed under MIT.
Read full ezbookkeeping review
Spliit
Share expenses with friends and family — 2,580 GitHub stars. Licensed under MIT.
ExpenseOwl
Simple expense tracking system — 1,392 GitHub stars. Licensed under MIT.
OpenBudgeteer
Budgeting app based on the bucket budgeting principle — 945 GitHub stars. Licensed under AGPL-3.0.
Read full OpenBudgeteer review
WYGIWYH
Opinionated and powerful finance tracker — 826 GitHub stars. Licensed under AGPL-3.0.
Budget Board
Manage monthly budgets and net worth — 728 GitHub stars. Licensed under GPL-3.0.
BudgetBee
Personal finance management system — 515 GitHub stars. Licensed under MIT.
Ocular
Simple, beautiful budgeting app — 437 GitHub stars. Licensed under MIT.
DollarDollar Bill Y’all
Expense tracking and bill-splitting application — 329 GitHub stars. Licensed under AGPL-3.0.
Read full DollarDollar Bill Y’all review
Subscription Manager
Track subscriptions and manage expenses — 322 GitHub stars. Licensed under MIT.
Read full Subscription Manager review
DumbBudget
Stupidly simple personal budget — 312 GitHub stars. Licensed under GPL-3.0.
Ignidash
Personal finance planning app — 214 GitHub stars. Licensed under AGPL-3.0.
Piglet
Simple web app for managing household budgets — 110 GitHub stars. Licensed under GPL-3.0.
SparkyBudget
Personal finance management app — 107 GitHub stars. Licensed under Custom.
Thrifty
Simple monthly income and expense tracker — 94 GitHub stars. Licensed under BSD-2-Clause.
SpendSpentSpent
Easy-to-use expense tracker — 70 GitHub stars. Licensed under AGPL-3.0.
Read full SpendSpentSpent review
Why Self-Host Instead of YNAB?
- Data ownership. Your data stays on your server, not on YNAB’s infrastructure.
- Predictable costs. Pay a fixed VPS cost instead of growing per-user or per-usage fees.
- No vendor lock-in. Export and migrate your data anytime. You control the database.
- GDPR and compliance. Hosting your own tools simplifies data residency and compliance requirements.
How much can you save?
YNAB (Monthly)
$15/mo
Billed monthly
$180/year
Maybe (self-hosted)
$10/mo
VPS hosting only. $0 per-user fees.
$320 year 1 (incl. $200 setup)
Your annual savings
$0
At this scale the setup cost offsets savings in year 1. Year 2+: $60/year.
Maybe runs on a $10/mo VPS with unlimited users. Setup by upready.dev starts at $200 (one-time). YNAB pricing as of March 2026.
Why teams switch from YNAB
- → Data ownership. Your data stays on your server -- not on YNAB's infrastructure.
- → Predictable costs. Pay a fixed VPS cost instead of growing per-user or per-usage fees.
- → No vendor lock-in. Export and migrate your data anytime. You control the database.
- → GDPR and compliance. Hosting your own tools simplifies data residency and compliance requirements.
Head-to-Head Comparisons
Firefly III for detailed financial tracking, reporting, and bank imports. Actual Budget for envelope-style budgeting with a clean, fast UI. Choose based on whether you need a financial tracker or a budgeting tool.
Maybe for investment tracking and net worth management. Actual for envelope-style budgeting. Different financial goals -- Maybe tracks wealth, Actual plans spending.
Browse more Finance & Budgeting tools
Explore 97 open-source finance & budgeting tools you can self-host.
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