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Open source alternatives to YNAB[009]

YNAB is envelope-style budgeting software that makes you assign every dollar a job and reconcile it against synced bank transactions. Below are 9 self-hostable open source alternatives, ranked by GitHub popularity.

// EDITOR'S TAKE

Actual is the direct replacement: it is built around the same zero-based envelope method, is genuinely fast, and syncs across devices from a server you own. Maybe is the better choice if you care more about net worth, investments and accounts than about strict monthly budgeting, and financial-freedom sits between them but has far less momentum behind it.

// FREQUENTLY ASKED

What is the best open source YNAB alternative?

Maybe is the most popular open source YNAB alternative by GitHub stars (54,109 stars). The other 8 options are ranked above.

Are these YNAB alternatives self-hostable?

Yes — every project listed here is open source and runs on your own infrastructure. Click into a project to see its license, stars, language, and current health status.

Are they free?

All projects shown are free and open source. Check each project's license page for the terms — most are MIT, Apache 2.0, or AGPL.