Ocular is enough if you only want to see where the money goes. Deliberately lean.
575 stars on GitHub Latest commit on September 30, 2026
Actual instead of YNAB
Budgeting without a bank connection: envelope method, or simply income and spending at a glance. No access to your account, no subscription.
about €1.67 / month All the pricing details
What you get out of it
Your financial data stays with you, there is no outside connection- No subscription that gets more expensive every year
- Import from CSV, QIF and OFX instead of bank sync
YNAB and Podless
| YNAB and Podless | YNAB | On Podless |
|---|---|---|
| Where the data lives | YNABOn the provider’s servers | On PodlessIn your own instance in the EU |
| Source code | YNABNot open to read | On PodlessOpen, you can read what runs |
| Ads and profiling | YNABPer the provider’s terms | On PodlessNone |
| Your own domain | YNABUsually not offered | On PodlessIncluded, certificate too |
| Getting out again | YNABAs far as the provider allows | On PodlessSFTP, database, backups to your storage |
| If it gets shut down | YNABYou have to move | On PodlessYou decide when you leave |
Bringing your data over from YNAB
Actual has a dedicated import for YNAB, both today’s version and YNAB 4. Budgets, categories and transactions come along.
Also fits
Other swaps
Mint ActualMint shut down in March 2024. Here you keep track of your money, without a bank connection, and your financial data stays with you.
Finanzguru ActualIncome, spending and fixed costs at a glance, without an app accessing your bank account. You fetch the transactions from online banking yourself, and the analysis stays with you.
Monarch Money ActualBudgeting with categories, goals and reports, without a subscription and without a bank connection. You load transactions from online banking, and the data lives in your own instance.