Open source alternatives to YNAB

7 projects on starwire do the same job. Ranked by how much of what YNAB does each one covers, read from its README and website. Ties go to the most active.

What YNAB does

Zero-based budgeting by categorycore
Track spending and transactionscore
Bank account synccore
Goals and savings targets
Spending reports
Shared budgets with a partner
Mobile apps
Debt payoff planning

Each dot in the table is one job, in this order. Square dots are core jobs and count double. Full means yes, half means partly. "See the evidence" under a project shows the line behind each one. Coverage is what a project documents, not how well it works or how hard it is to move to. How we score this

Project	Covers	Stars	Commits, 12 weeks	Last release	Closed vs opened	Setup	License
securoSelf-hosted personal finance manager with expense tracking	Covers one part77%	4.5k+281	356	8 days ago	58%	Needs a server	AGPL-3.0
Covers 2 of 3 core jobs. Partly: Zero-based budgeting by category; Debt payoff planning. Not shown: Mobile apps.See the evidence Zero-based budgeting by categorycorePartlyRecurring transactions, budgets, and loan/financing tracking Track spending and transactionscoreYesTransaction management with search, filters, and CSV export Bank account synccoreYesBank sync via providers Goals and savings targetsYesGoals and savings targets with progress tracking Spending reportsYesReports: Net Worth and Income vs Expenses Shared budgets with a partnerYesShare transactions with family or your team. Mobile appsNot shownNeither the README nor the website mentions it. Debt payoff planningPartlyloan/financing tracking
actualLocal-first personal budgeting app that keeps data on your own device	Replaces it64%	30k+174	342	12 days ago	100%	Needs a server	MIT
Covers all 3 core jobs. Not shown: Goals and savings targets; Shared budgets with a partner; Mobile apps; Debt payoff planning.See the evidence Zero-based budgeting by categorycoreYesUse the power of envelope budgeting Track spending and transactionscoreYesThe fastest way to manage transactions Bank account synccoreYesbuilt in support for bank syncing using goCardless Goals and savings targetsNot shownNeither the README nor the website mentions it. Spending reportsYeswe include net worth and cash flow reports Shared budgets with a partnerNot shownNeither the README nor the website mentions it. Mobile appsNot shownNeither the README nor the website mentions it. Debt payoff planningNot shownNeither the README nor the website mentions it.
whisper-moneyOpen source personal finance and budgeting app	Replaces it55%	1.2k+6	457	18 days ago	100%	Needs a server	Custom license
Covers 2 of 3 core jobs. Partly: Zero-based budgeting by category; Goals and savings targets; Spending reports. Not shown: Shared budgets with a partner; Mobile apps; Debt payoff planning.See the evidence Zero-based budgeting by categorycorePartlycreate budgets Track spending and transactionscoreYestrack, categorize, and understand your spending Bank account synccoreYessynced straight from your bank with open banking Goals and savings targetsPartlyachieve your goals Spending reportsPartlyUnderstand your spending patterns Shared budgets with a partnerNot shownNeither the README nor the website mentions it. Mobile appsNot shownNeither the README nor the website mentions it. Debt payoff planningNot shownNeither the README nor the website mentions it.
fungiblePersonal finance terminal and desktop app with bank sync and CSV import	Same job, different way49%	114	322	34 days ago	100%	Install like an app	MIT
Covers 2 of 3 core jobs. Partly: Goals and savings targets. Not shown: Zero-based budgeting by category; Shared budgets with a partner; Mobile apps; Debt payoff planning.See the evidence Zero-based budgeting by categorycoreNot shownNeither the README nor the website mentions it. Track spending and transactionscoreYesauto-categorize and rename transactions Bank account synccoreYesconnect bank accounts and pull transactions automatically Goals and savings targetsPartlyFIRE number and progress Spending reportsYesbar charts for expenses, income, net, or any category Shared budgets with a partnerNot shownNeither the README nor the website mentions it. Mobile appsNot shownNeither the README nor the website mentions it. Debt payoff planningNot shownNeither the README nor the website mentions it.
ezbookkeepingSelf-hosted personal finance and bookkeeping web app with a Vue frontend	Same job, different way41%	6.1k+47	313	22 days ago	91%	Needs a server	MIT
Covers 1 of 3 core jobs. Partly: Bank account sync; Mobile apps. Not shown: Zero-based budgeting by category; Goals and savings targets; Shared budgets with a partner; Debt payoff planning.See the evidence Zero-based budgeting by categorycoreNot shownNeither the README nor the website mentions it. Track spending and transactionscoreYesrecord daily transactions Bank account synccorePartlyImport CSV, Excel, OFX, QFX, QIF Goals and savings targetsNot shownNeither the README nor the website mentions it. Spending reportsYesanalyze historical data using built-in charts Shared budgets with a partnerNot shownNeither the README nor the website mentions it. Mobile appsPartlyPWA support for native-like mobile experience Debt payoff planningNot shownNeither the README nor the website mentions it.
firefly-iiiPersonal finance manager you host yourself	Not checked yet	25k+14	785	34 days ago	90%	Needs a server	AGPL-3.0
surePersonal finance app you can host yourself	Not checked yet	15k+984	930	2 days ago	58%	Needs a server	AGPL-3.0

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