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YNAB vs Actual Budget: catalog facts
YNAB	Actual Budget
Paid Paid subscription with a free trial that needs no credit card.	Free Free and open source under the MIT licence. Third-party hosting such as PikaPods or Fly.io…
Android, iOS, Web	Windows, macOS, Linux, Android, iOS, Web, Self-hosted
Clear zero-based budgeting method Free trial without a credit card	Envelope budgeting done properly, not a spending report Local-first, so it works offline and stays fast with long history
Subscription required after the trial Method takes active effort to keep up	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
Downloadable app, Hosted service	Downloadable app, Self-hosted
Closed source	Open source
License not stated	License: MIT
Account needed	No account needed
Not stated if it works offline	Works offline
Official website Full listing and sources Checked September 23, 2026	Official website Full listing and sources Checked September 21, 2026

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