Actual Budget
Taiga
| Feature | Actual Budget | Taiga |
|---|---|---|
| Pricing | Free / from $0/mo | Free / from $5/mo |
| Free Plan | ✓ Yes | ✓ Yes |
| Rating | 4.5 / 5 | 4.2 / 5 |
| Best For | budget-conscious-individuals, self-hosters, ynab-migrants, privacy-focused-budgeters | agile-teams, open-source-advocates, startups, scrum-teams |
| Founded | 2019 | 2014 |
| Envelope Budgeting | ✓ | ✗ |
| Bank Sync | ✓ | ✗ |
| Reports | ✓ | ✗ |
| Goal Tracking | ✓ | ✗ |
| Rules | ✓ | ✗ |
| Scheduled Transactions | ✓ | ✗ |
| Self Hostable | ✓ | ✗ |
| Scrum Boards | ✗ | ✓ |
| Kanban | ✗ | ✓ |
| Epics | ✗ | ✓ |
| User Stories | ✗ | ✓ |
| Sprint Planning | ✗ | ✓ |
| Wiki | ✗ | ✓ |
✓ Actual Budget Pros
- Open-source with no subscription fees
- Local-first with optional sync
- Beautiful and fast interface
- Bank sync via SimpleFIN/GoCardless
✗ Actual Budget Cons
- Self-hosting required for sync features
- Smaller community than YNAB
- Mobile experience less polished than native apps
✓ Taiga Pros
- Fully open-source and self-hostable
- Beautiful modern interface
- Both Scrum and Kanban support
- Very affordable premium tier
✗ Taiga Cons
- Smaller community than Jira
- Fewer integrations
- Limited reporting features
The Verdict
Actual Budget is built for budget conscious individuals and self hosters, with a focus on envelope-budgeting and bank-sync. Taiga targets agile teams and open source advocates and leads with scrum-boards and kanban.
On pricing, Actual Budget is the clear winner for budget-conscious users — starting at $0/mo compared to $5/mo for Taiga. That $5/mo difference adds up quickly for growing teams.
Both offer free plans, so you can test each with your real workflow before committing to a subscription.
Feature-wise, Actual Budget offers broader built-in capabilities (7 features vs 6), while Taiga takes a more focused approach — which can mean a simpler, faster onboarding experience.
Bottom line: Actual Budget has a slight overall edge — but if fully open-source and self-hostable matters most to you, Taiga may still be the right call.