How UrBudget compares
UrBudget is envelope budgeting you pay for once, kept on your own computer. Here's how it compares with the apps people usually weigh it against.
- UrBudget vs YNAB The same method. $9 once instead of $109 a year, and a budget file you own.
- UrBudget vs Actual Budget Free and open source with a server to run, or $9 once with nothing to host.
- Switch from YNAB Paste a token and click Import. Your whole budget comes over, checked month by month.
- Getting started New to envelope budgeting? Five steps, from adding accounts to covering overspending.
At a glance
| Feature | UrBudget | YNAB | Actual Budget |
|---|---|---|---|
| Price | $9 once | $14.99 a month, or $109 a year | Free and open source |
| Runs on | Windows, macOS | Web, iPhone, Android | Windows, Mac, Linux, browser |
| Your budget lives | In a file on your computer | On YNAB's servers | On your device, and on a sync server if you run one |
| Sync | Optional, encrypted, $2 a month | Included | Through a server you host or rent |
| Bank connections | None; statement files | Select US, Canadian, UK and EU banks | GoCardless (EU, UK) and SimpleFIN (US, Canada) |
YNAB's details are from ynab.com/pricing; Actual Budget's from actualbudget.org and its install guide. Both checked October 17, 2026. UrBudget isn't affiliated with either.