BeancountRecord double-entry accounts in plain-text files and generate financial reports.
Everything (plain-text double-entry)
Business & marketing
KMyMoney
Free optionOpen sourceLocal
Track accounts, spending, budgets and investments in a local ledger.
What you can use it for
Track accounts, spending, budgets and investments in a local ledger.
- Local account tracking, categories, budgets and scheduled transactions.
- File imports and reports without a recurring finance-app subscription.
Workflow coverage and comparison notes
Manual/file-import personal accounts, expense categories and budgets. Not guaranteed bank feeds, mobile/cloud household collaboration or YNAB methodology parity.
Before you switch
Traditional accounting-style budgeting, not YNAB’s exact envelope method. No guaranteed automatic bank connection, polished mobile experience or household cloud sync. Bank/provider compatibility varies; macOS installation is more technical than supported Linux/Windows packages. Keep your own backups.
Alternatives to these paid apps
Each comparison covers the workflow described above, rather than every paid feature.
More for the same workflow
See alternatives →Beancount
GnuCashTrack double-entry accounts, income, expenses and small-business books.
Free open-source desktop accounting software.
Money Manager ExTrack income, expenses and budgets without a finance subscription.
Free local personal finance · desktop and Android apps