Comparison

Your Finances — made simple | Actual Budget vs YNAB

Your Finances — made simple | Actual Budget and YNAB both land on Depends.

Your Finances — made simple | Actual Budget

Depends

Confidence: Medium

Buy it if you can self-host and patch fast . you get private, fast envelope budgeting with no subscription.

Depends

Confidence: High

Buy if you'll commit to daily zero-based budgeting . users report saving $3,000-$5,000 a year.

Your Finances — made simple | Actual Budget versus YNAB
Compare	Your Finances — made simple \| Actual Budget	YNAB
Verdict	Depends	Depends
Best for	Self-hosters and privacy buffs	Paycheck-to-paycheck earners
Who it's not for	Non-technical users wanting set-and-forget apps	Passive, set-and-forget trackers
Privacy	One critical auth bypass (CVE-2026-27584) let unauthenticated attackers read financial data; fixed in v26.2.1.^³	No known public vulnerabilities found in the sources reviewed; uses bank-grade encryption, two-step verification, and a vulnerability disclosure program.
Support quality	No support evidence found	Live classes, help center, active user community.
Public sentiment	Enthusiasts praise its speed and automatic transaction imports, but the critical 2026 auth bypass spooked less technical self-hosters.^⁶	Users report life-changing savings and debt payoffs but frequently complain about the price and learning curve.
Biggest gotcha	Run an exposed server unpatched and anyone can read your transactions^³	Price hiked repeatedly from $50/year at launch to $109 . expect future increases.