Actual Budget or Firefly III?

Actual if you live in envelopes (the YNAB shape). Firefly III if you want accounts, bills, and a ledger (closer to Mint's books). Pick one.

Mint shut down — why this page?

People still search for a Mint alternative. Firefly III is the hosted-books path. Credit Karma is not open source.

Why not the Expensify page?

/replace/expensify is reports you submit. This page is a household or personal budget.

Stacks / CRM

Easy

Actual Budget / Firefly III

A budget you host. Actual Budget is MIT envelope budgeting; Firefly III is AGPL-3.0 books — YNAB and Mint without the subscription.

The problem

YNAB is envelope budgeting you rent. Mint shut the product and pushed people at Credit Karma. You wanted accounts, categories, and a budget file you can export. Actual Budget is MIT (local-first, self-hosted server). Firefly III is AGPL-3.0 if the job is a ledger and bills, not envelopes. This is not YNAB's coaching or Mint's credit-score upsell. Expensify-shaped reports stay on /stacks/firefly-expenses.

Replaces

YNAB / Mint

Replace YNAB Replace Mint

Estimated SaaS saved

$1,200

per year, small team, before lock-in

Start on Railway

Firefly III / Akaunting if this is expense reports, not a household budget

Sponsor this stack Tip jar

Placeholder: Actual Budget server + a volume, or Firefly III + a database. Bind HTTP to 0.0.0.0:$PORT. No one-click template in this repo yet — Start on Railway. Expense reports stay on /stacks/firefly-expenses.

The stack

Actual Budget
MIT local-first envelope budget you can self-host
Catalog entry →
Firefly III
AGPL-3.0 personal finance ledger if you want books, not envelopes
Catalog entry →

Cost table

You stop paying	Typical / year	Self-host instead
YNAB / Mint (household)	$1,200	Actual Budget or Firefly III

Agent setup prompt

Replace YNAB or Mint with Actual Budget (preferred for envelopes) or Firefly III (ledger).

- Actual: official server image, persist the budget on a volume. Firefly III: database + a volume for attachments.
- Import a bank CSV. Create one category or envelope you actually use. Do not claim YNAB coaching or Mint credit scores.
- Write AGENT_PROMPT.md.

Also as markdown: /stacks/actual-budget.md

FAQ

Actual Budget or Firefly III?: Actual if you live in envelopes (the YNAB shape). Firefly III if you want accounts, bills, and a ledger (closer to Mint's books). Pick one.
Mint shut down — why this page?: People still search for a Mint alternative. Firefly III is the hosted-books path. Credit Karma is not open source.
Why not the Expensify page?: /replace/expensify is reports you submit. This page is a household or personal budget.