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YNAB vs OpenBudgeteer: catalog facts
YNAB	OpenBudgeteer
Paid Paid subscription with a free trial that needs no credit card.	Free Free and open source under the AGPL-3.0 licence.
Android, iOS, Web	Web, Self-hosted
Clear zero-based budgeting method Free trial without a credit card	Envelope-style bucket budgeting similar to YNAB Supports MySQL or MariaDB, PostgreSQL and SQLite
Subscription required after the trial Method takes active effort to keep up	Some documentation sections are still in progress Requires running your own server
Downloadable app, Hosted service	Self-hosted
Closed source	Open source
License not stated	License: AGPL-3.0
Account needed	Not stated if an account is needed
Not stated if it works offline	Not stated if it works offline
Official website Full listing and sources Checked September 23, 2026	Official website Full listing and sources Checked October 2, 2026

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