# Private and open-source alternatives to YNAB

Also covers You Need a Budget.

1. [Plain Text Accounting](https://privacyratings.com/budgeting/plain-text-accounting/): A (100/100). An approach to bookkeeping that keeps records in plain text files and processes them with command-line tools such as Ledger, hledger and Beancount.
2. [Actual](https://privacyratings.com/budgeting/actual/): B (80/100). Local-first personal finance app based on envelope budgeting, with optional self-hosted sync between devices and optional end-to-end encryption.
3. [BeeCount](https://privacyratings.com/budgeting/beecount/): B (80/100). Offline-first expense tracker for Android and iOS, with optional sync through a self-hosted BeeCount Cloud server, iCloud, Supabase, WebDAV or S3.
4. [GnuCash](https://privacyratings.com/budgeting/gnucash/): B (80/100). Cross-platform double-entry accounting application for personal and small business finance, with accounts, budgets, scheduled transactions, investments and reports.
5. [KMyMoney](https://privacyratings.com/budgeting/kmymoney/): B (80/100). Open-source double-entry personal finance manager from KDE for Linux, Windows and macOS, with budgets, investments, scheduled transactions and bank statement import.
6. [Skrooge](https://privacyratings.com/budgeting/skrooge/): B (80/100). Open-source personal finance manager from KDE for tracking accounts, budgets, investments and scheduled operations, with reports and import from many file formats.
7. [Firefly III](https://privacyratings.com/budgeting/firefly-iii/): C (65/100). Self-hosted personal finance manager with double-entry bookkeeping, budgets, categories, tags, a rule engine, reports and a REST API.
8. [rotki](https://privacyratings.com/budgeting/rotki/): C (65/100). Self-hosted, open source portfolio tracking and accounting tool for crypto assets and other investments, with data stored locally. Runs on Linux, macOS, Windows and Docker.
9. [ezBookkeeping](https://privacyratings.com/budgeting/ezbookkeeping/): D (50/100). Self-hosted personal finance app for recording transactions and analyzing spending, with data kept on the user's own server. Supports two-factor authentication and OIDC login.
10. [Money Manager Ex](https://privacyratings.com/budgeting/money-manager-ex/): D (40/100). Open-source personal finance app for Windows, macOS, Linux and Android for tracking accounts, budgets, investments and scheduled transactions, with data stored in a local database.
11. [HomeBank](https://privacyratings.com/budgeting/homebank/): F (30/100). Open-source personal finance program for Windows and Linux for tracking accounts, budgets and spending, with charts, reports and bank file import.

Source: https://privacyratings.com/alternatives/ynab/