The closest thing to YNAB's zero-based budgeting philosophy at a fraction of the cost. Self-hostable, open-source, and backed by a strong community of YNAB refugees.
If you loved YNAB's envelope method and hate the subscription price, Actual Budget is where you go. The community has spoken loudly and clearly on this one.
“If you're looking for YNAB alternative, your best bet is Actual Budget. A lot of YNABers are moving to Actuals since it has great community support and it is”