Actual Budget
Open-source envelope budgeting app offering local-first personal finance management with bank sync, goal tracking, and reporting with optional self-hosting.
Pricing Plans
Free
Self Hosted
Pricing model: free
Pros & Cons
Pros
- Open-source with no subscription fees
- Local-first with optional sync
- Beautiful and fast interface
- Bank sync via SimpleFIN/GoCardless
Cons
- Self-hosting required for sync features
- Smaller community than YNAB
- Mobile experience less polished than native apps
Actual Budget Alternatives
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You Need A Budget — proactive budgeting app based on the envelope method.
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Free / $0.01+Frequently Asked Questions
What is Actual Budget?
Open-source envelope budgeting app offering local-first personal finance management with bank sync, goal tracking, and reporting with optional self-hosting.
How much does Actual Budget cost?
Actual Budget offers a free plan. Paid plans start at Self Hosted: $0/mo.
What are the best alternatives to Actual Budget?
The best alternatives to Actual Budget include YNAB, Logseq, n8n, QuickBooks Online. Each offers similar functionality with different strengths in features, pricing, and ease of use.
Is Actual Budget free?
Yes, Actual Budget offers a free plan with limited features. Premium plans are available for users who need more advanced functionality.
What is Actual Budget best for?
Actual Budget is best for Budget Conscious Individuals, Self Hosters, Ynab Migrants, Privacy Focused Budgeters. It is designed to serve these audiences with specialized features and workflows.
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