Skip to content
Actual Budget - Privacy-focused personal finance manager

Actual Budget

Finance

Privacy-focused personal finance manager

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 self-hosted web interface screenshot

Actual Budget vs YNAB

FeatureActual Budget (Self-hosted)YNAB
Annual cost€20/yr (Seed.box Premium)179.88 €/year
Data ownership100% yoursTheir servers
PrivacyComplete privacyData collection
Vendor lock-inNone - export anytimeDifficult migration
Storage limitYour server capacityPlan-dependent

YNAB limitations:

  • Financial data on their servers
  • Subscription required
  • Limited export options
  • Dependent on their service