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Actual Budget vs YNAB: catalog facts
Actual Budget	YNAB
Free Free and open source under the MIT licence. Third-party hosting such as PikaPods or Fly.io…	Paid Paid subscription with a free trial that needs no credit card.
Windows, macOS, Linux, Android, iOS, Web, Self-hosted	Android, iOS, Web
Envelope budgeting done properly, not a spending report Local-first, so it works offline and stays fast with long history	Clear zero-based budgeting method Free trial without a credit card
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	Subscription required after the trial Method takes active effort to keep up
Downloadable app, Self-hosted	Downloadable app, Hosted service
Open source	Closed source
License: MIT	License not stated
No account needed	Account 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 September 23, 2026

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