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Comment by Semaphor | Hacker News Reader

Love YNAB, been using it since 2011 and never switched to their subscription cloud service. YNAB Classic still works, though I don’t think you can legally acquire it anymore.

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Look into Actual Budget, it’s a free self-hostable clone of YNAB. Or could be thought of as an independent implementation of the same budgeting methodology - but it felt close enough in UI and concepts that I feel comfortable calling it a clone.

I manually enter every expense (as categories are not by store, so automation can’t work), and YNAB makes this more convenient with a lot of tiny things (though on testing, the biggest parts are probably remembering the last category for a payee, and better flowing "enter"-key behavior when entering multiple transactions).

That said, it also has a bunch of things that I’m missing in YNAB, so I should probably just set up an instance and go a week with trying it, so thanks for the nudge :)

What do you do on mobile? Very much like being able to enter things in on my phone.

Of course I can keep receipts and do it later but just wanted to know how others handle it.

Actual budget works fine on mobile. I added it as a Home Screen app on my iPhone.

Or -

https://www.budgetwithbuckets.com/

For a client application

You can import too

Importing YNAB4 into Actual worked, this errored without much information what went wrong.

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