Actual Budget

Actual Budget is open source, which means anyone can read the code, and the project is built around the same give-every-dollar-a-job logic that made YNAB popular, without the subscription attached. You can self-host it for free on your own server or a small home device, or pay a modest fee for the team’s hosted sync service if you’d rather not run the infrastructure yourself but still want your budget data under your own control.

There’s no live connection to US banks through Plaid or any similar provider, a deliberate choice rather than a missing piece. You bring transactions in by importing a CSV or bank export file, then categorize them the way you would with a synced account, just on your own schedule instead of automatically. That setup suits people who care more about owning their financial data than about real-time syncing, and who don’t mind a bit of manual upkeep each week or month. It’s a poor fit for anyone who wants transactions to appear the moment they post.