# Free alternatives to YNAB

> YNAB (Annual) costs $109 a year. Free alternatives: Actual Budget and Firefly III. Data checked 2026-10-17.

- Page: https://stoprenting.dev/apps/ynab/
- Category: Personal Finance (https://stoprenting.dev/categories/personal-finance/)
- Vendor: YNAB
- Plan: Annual
- Price: $9.08/month, $109/year
- Billing: billed annually ($109/yr; $14.99 monthly)
- Price quote from the vendor's page: "Annual Plan $9.08 USD*/month ... $109 USD* paid annually ... Monthly Plan $14.99"
- Price source: https://www.ynab.com/pricing (checked 2026-10-17)

## Alternatives

### Actual Budget

- Website: https://actualbudget.org
- Repository: https://github.com/actualbudget/actual (29,520 stars, last push 2026-10-14)
- License: MIT
- Open source: yes, OSI-approved license
- Type: server app
- Linux: self-hosted server; web UI
- Self-hostable: yes
- More: https://stoprenting.dev/alternatives/actual-budget/
- Checked: 2026-10-17

### Firefly III

- Website: https://www.firefly-iii.org
- Repository: https://github.com/firefly-iii/firefly-iii (24,912 stars, last push 2026-10-15)
- License: AGPL-3.0
- Open source: yes, OSI-approved license
- Type: server app
- Linux: self-hosted server; web UI
- Self-hostable: yes
- More: https://stoprenting.dev/alternatives/firefly-iii/
- Checked: 2026-10-17

## FAQ

### Is there a free alternative to YNAB?

Yes. The 2 free alternatives are Actual Budget (open source, MIT) and Firefly III (open source, AGPL-3.0).

### How much does YNAB cost?

YNAB's Annual plan costs $9.08 a month, which is $109 a year (billed annually ($109/yr; $14.99 monthly)). Source: the official pricing page at ynab.com, checked Oct 17, 2026.

### Which YNAB alternatives run on Linux?

Actual Budget (self-hosted server; web UI) and Firefly III (self-hosted server; web UI).

### Can you self-host a YNAB alternative?

Yes. Actual Budget and Firefly III run on your own server.

### Are these YNAB alternatives open source?

Yes. All 2 use OSI-approved open-source licenses: Actual Budget (MIT) and Firefly III (AGPL-3.0).

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Source: Stop Renting (https://stoprenting.dev). Methodology: https://stoprenting.dev/methodology/