The only thing similar is how the budgeting system works, and even that is going to change soon. Soon you'll be able to choose between a zero-based budget or a simpler report-style budget that just shows income vs expense (and provide some features help track things).

There's also the big difference that the app is local and we provide end-to-end encryption.

An example of a feature that YNAB doesn't have at all is custom rules: https://actualbudget.com/docs/other/rules/