Actual Budget Pricing 2026
Complete breakdown of Actual Budget plans, costs, and what's included. Start free or choose a paid plan from $0/mo.
All Actual Budget Plans & Pricing
Choose the right plan for your needs. All prices are billed monthly.
Free
- ✓ Basic features included
- ✓ Limited storage
- ✓ Community support
- ✓ Single user or limited seats
- ✓ Core functionality access
Self Hosted
- ✓ Full feature access
- ✓ Priority support
- ✓ Advanced integrations
- ✓ Team collaboration
- ✓ Custom configurations
All Actual Budget paid plans are billed free. Annual billing typically saves 15-20%.
Actual Budget Plan Comparison
See what's included in each plan at a glance.
| Feature | Free | Self Hosted |
|---|---|---|
| Price | $0 | $0/mo |
| Storage | Limited | 100 GB |
| Team Members | 1-5 | Up to 50 |
| Integrations | Basic | Advanced |
| Support | Community | Priority |
| Analytics | Basic | Advanced |
| Custom Branding | ✗ | ✓ |
| API Access | Limited | Full |
| SSO / SAML | ✗ | ✗ |
How to Save on Actual Budget
Choose Annual Billing
Save 15-20% by switching from monthly to annual billing. Most Actual Budget plans offer this discount.
Student & Education Discounts
Students, teachers, and educational institutions may qualify for special pricing or extended free plans.
Startup Programs
Early-stage startups can often access premium features at reduced rates through partner programs.
Start with Free
The Actual Budget free plan is generous enough for individual use. Upgrade only when you truly need more.
Actual Budget vs Competitors: Price Comparison
How does Actual Budget pricing stack up against similar tools?
Actual Budget
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YNAB
Logseq
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Actual Budget Pricing FAQ
Common questions about Actual Budget costs, plans, and billing.
Is Actual Budget free?
Yes, Actual Budget offers a free plan that includes basic features. It's a great way to get started without any commitment. For more advanced functionality, paid plans start at $0/month.
How much does Actual Budget cost per user?
Actual Budget uses a free pricing model. The SelfHosted plan is $0/month.
Does Actual Budget offer a free trial?
Most Actual Budget paid plans include a free trial period (typically 7-14 days) so you can explore premium features before committing. Additionally, the free plan is available indefinitely with no credit card required.
What is the cheapest Actual Budget plan?
The cheapest option is the Free plan, which costs nothing. If you need more features, the most affordable paid plan is SelfHosted at $0/month.
Is Actual Budget worth the price?
Actual Budget is rated 4.5/5 by users. It's best for budget conscious individuals, self hosters, ynab migrants. Key strengths include open-source with no subscription fees and local-first with optional sync. The free plan lets you evaluate it risk-free. Compare with alternatives like YNAB and Logseq to ensure the best fit.
Does Actual Budget offer discounts for annual billing?
Yes, most SaaS tools including Actual Budget offer significant discounts (typically 15-20% off) when you choose annual billing instead of monthly. Student, nonprofit, and startup discounts may also be available — check the Actual Budget pricing page for current offers.
Ready to get started with Actual Budget?
Try Actual Budget free — no credit card required. Upgrade anytime as your needs grow.