Best for

People who want YNAB-style envelope budgeting without a subscription or handing transactions to a cloud service.

Why it deserves attention

Actual Budget keeps your budget in a local database and runs on desktop, the web, and mobile, with an optional sync server you host yourself. It supports envelope budgeting, scheduled transactions, rules for auto-categorizing payees, reports, and imports from bank exports or aggregators. The app is MIT-licensed and free, and the sync protocol is open. The trade-off is that setup requires some comfort with Docker or a local server if you want multi-device sync, and some bank connections depend on third-party aggregators with their own limits.

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Can replace

YNAB

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