Actual BudgetPricing 2026: Plans, Costs & Best Value
Open-source envelope budgeting app. Actual Budget offers a free plan with free forever, plus 2 paid tiers.
4.4
Editorial RatingActual Budget Free Plan
Actual Budget's free tier includes:
- Free forever
- All features
- Your own server
Upgrade to Managed Hosting starting at $1.5/mo for additional features.
Actual Budget: Pros & Cons
Pros
- Completely free with all features
- Local-first — fast and responsive
- End-to-end encrypted sync
- Dead simple self-hosting (single container)
- Active community development (MIT license)
- 70% cheaper than YNAB even with add-ons
Cons
- Mobile apps deprecated (web app only)
- Bank sync US/Canada only
- No investment tracking
- No REST API for automation
- Credit card handling assumes full payoff
- Plugin system not yet shipped
Is Actual Budget Worth It?
Actual Budget's free plan is a solid starting point. For individuals and small teams, the free tier may be all you need.
With an editorial rating of 4.4/5, Actual Budget scores well in the Accounting & Finance category. Before committing, consider comparing it against alternatives to ensure it fits your workflow and budget.