Replace YNAB: Self-Host Actual Budget in One Docker Container
YNAB is $14.99 a month — $180 a year — for envelope budgeting. That’s a subscription to be told where your own money went. Actual Budget is the open-source clone: same “give every dollar a job” philosophy, local-first so it works offline, and a tiny server that syncs your budget between devices. One container, zero dollars, your data never leaves your network. The math YNAB Actual Budget (self-hosted) Cost $14.99/mo ($180/yr) $0 Budgeting method Envelope Envelope Your data lives YNAB’s cloud Your /data folder Works offline Mostly Yes — local-first Bank sync Built-in, polished US/EU only (see below) Mobile apps Yes Yes (point at your server) The honest trade-off is bank sync — more on that below. Everything else is at parity or better. ...