Replaces
YNAB
Save
14.99 €/mo
179.88 €/year saved
What is Actual Budget?
Actual Budget is a personal finance app with envelope-style budgeting. It's incredibly fast thanks to a local-first architecture, supports bank syncing, and provides powerful reports and graphs to understand your spending.
Key Features
Envelope budgeting
Bank sync
Powerful reporting
Rule-based transactions
Multi-device sync
Fast & responsive
Why Self-Host Actual Budget?
Your financial data is among the most sensitive information you have. Actual Budget keeps it all on your server with optional bank sync. No company has access to your income, expenses, or spending habits.
Ready to deploy Actual Budget?
One click. Zero config. Your server, your actual budget.
you.seed.box

Actual Budget vs YNAB
| Feature | Actual Budget (Self-hosted) | YNAB |
|---|---|---|
| Annual cost | €20/yr (Seed.box Premium) | 179.88 €/year |
| Data ownership | 100% yours | Their servers |
| Privacy | Complete privacy | Data collection |
| Vendor lock-in | None - export anytime | Difficult migration |
| Storage limit | Your server capacity | Plan-dependent |
YNAB limitations:
- Financial data on their servers
- Subscription required
- Limited export options
- Dependent on their service