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Actual Budget vs YAFFA: catalog facts
Actual Budget	YAFFA
Free Free and open source under the MIT licence. Third-party hosting such as PikaPods or Fly.io…	Free Free and open source under the MIT licence.
Windows, macOS, Linux, Android, iOS, Web, Self-hosted	Web, Self-hosted
Envelope budgeting done properly, not a spending report Local-first, so it works offline and stays fast with long history	No bank connection needed, data stays on your server Multi-currency accounts with daily rate updates
Syncing between devices needs a server, which is a step most apps hide Automatic bank connections depend on your country and a third-party service	Requires running a PHP and Laravel server AI document processing needs your own paid API key
Downloadable app, Self-hosted	Self-hosted
Open source	Open source
License: MIT	License: MIT
No account needed	Not stated if an account is needed
Works offline	Not stated if it works offline
Official website Full listing and sources Checked September 21, 2026	Official website Full listing and sources Checked October 2, 2026

Catalog facts only. Anything “not stated” is unconfirmed. Check full listings for details.