Firefly III alternatives

4 tools to consider instead of Firefly III, shown against it.

Firefly III Actual Budget Ghostfolio YNAB Lunch Money
Vendor Firefly III (open source project) Actual Budget (open source project) Ghostfolio YNAB (You Need A Budget LLC) Lunch Money
Pricing model Open source + paid options Open source + paid options Free tier + paid plans Subscription Subscription
Free tier Yes Yes Yes No No
Deployment Self-hosted Cloud, Self-hosted Cloud, Self-hosted Cloud Cloud
Open source Yes (AGPL-3.0) Yes (MIT) Yes (AGPL-3.0) No No
Best for Technically comfortable users who want full control of a double-entry budget on their own infrastructure with no subscription. Privacy-conscious, self-hosting-comfortable users who want YNAB-style envelope budgeting without a subscription or third-party data custody. Investors who want open-source, privacy-controlled portfolio analytics and are comfortable choosing between self-hosting and a paid managed instance. People who want to actively change spending habits through structured, envelope-style budgeting rather than passive expense tracking. Multi-currency, crypto-holding, or developer-minded users who want API access to their budgeting data.
Pricing

Free, open-source software with no official hosted offering; cost is limited to the server the user runs it on.

Pricing has not been verified yet — see the vendor's site.

Free, open-source software; self-hosting costs only the user's own server or third-party host fees, with no vendor subscription.

Pricing has not been verified yet — see the vendor's site.

Self-hosted core is free and open source; an official hosted 'Ghostfolio Premium' cloud plan is paid.

Pricing has not been verified yet — see the vendor's site.

Single subscription plan billed monthly or annually, with a 34-day free trial and no credit card required to start.

YNAB $14.99/month or $109/year

Prices read from the vendor's own page on September 21, 2026. Vendors change prices; check the source before you budget.

Paid monthly or annual subscription with a free trial period; no permanent free tier.

Pricing has not been verified yet — see the vendor's site.

Features
  • Double-entry account bookkeeping
  • Budgets, bills, and recurring transaction tracking
  • Reports and charts on spending and net worth
  • CSV and open-banking (Nordigen/GoCardless) import via companion importer
  • Multi-currency support
  • Rule-based transaction automation
  • REST API for custom integrations
  • Self-hosted via Docker or a PHP/MySQL stack
  • Zero-based, envelope-style budgeting
  • Local-first storage with end-to-end encrypted sync
  • Self-hosted sync server (Docker/Node.js) or third-party hosting
  • Bank-linked import in supported regions, manual CSV import elsewhere
  • Multi-device sync
  • Budget and spending reports
  • Multi-currency support
  • No account required to use the desktop app standalone
  • Stock, ETF, and cryptocurrency portfolio tracking
  • Performance and time-weighted return metrics
  • Asset-allocation and sector/region exposure breakdowns
  • Investment fee-impact analysis
  • Self-hosted via Docker with PostgreSQL
  • Official hosted 'Ghostfolio Premium' cloud option
  • Multi-currency support
  • Data export
  • Zero-based budgeting (assign every dollar a job)
  • Linked bank and credit card import plus manual entry
  • Category-level savings and debt-payoff goals
  • Shared household budgets
  • Net worth and spending reports
  • Age of Money and overspending tracking
  • Free educational workshops and in-app guidance
  • Linked bank, credit, and investment account aggregation
  • Native multi-currency support
  • Cryptocurrency account tracking
  • Category budgeting and recurring-transaction detection
  • Net worth tracking
  • Manual CSV import for unsupported accounts
  • Public developer API

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