YNAB

Actual Budget is the opensource selfhosted alternative to YNAB

| Finance, Selfhosting | , , ,

Introduction

I used to love YNAB (You Need A Budget), especially the classic desktop version, because of its fantastic features. The app’s zero-based budgeting system, real-time synchronization, and comprehensive financial reports were indispensable in managing my finances effectively. However, when YNAB transitioned to a cloud-only version and stopped supporting the classic desktop app, the sync became spotty. Additionally, the price of YNAB eventually turned me off, prompting me to look for a more affordable alternative. That’s when I discovered Actual Budget, a free and open-source option that offers similar functionalities.

Overview of YNAB

Key Features:
– Zero-based budgeting system
– Goal tracking and progress visualization
– Real-time synchronization across devices
– API for data extraction to tools like Power Query and Power Pivot
– Native mobile (Android and iOS) apps …

Actual Budget is the opensource selfhosted alternative to YNABRead More »

The Ridiculously Exaggerated and Overrated YNAB Savings

| Finance | , ,

With Dropbox gone the 3-Device Limit route, I needed to re-evaluate my YNAB Classic use.

YNAB has obviously abandoned the classic app in favor of its online, subscription-based platform. But the YNAB classic, at least the mobile app, only supports Dropbox for its cloud sync option — no Google Drive, no OneDrive.

Looking at my options, though, I came across the YNAB pricing, and the page suggests a ridiculously exaggerated savings of US$6,000 — that’s only in the first year, the YNAB culture can bring you:

If you’re a common Filipino earning in Philippine Pesos, the $6,000 would probably be more than what you’ll ever earn in a year. If it ain’t ridiculous, tell me what that is.

Yet, if you’re an upper-middle class Filipino earning way more than that, the $84 per year fee is still not worth it. There ought to be a better free alternative.

Scroll to Top