{"post":{"id":208,"title":"Best actually-free budgeting app in 2026?","body":"Every 'free' budgeting app I've tried is free for 3 days and then it's $15/month to see my own spending chart. I just want to track where my money goes without a subscription.\n\nNo bank sync needed — I'll enter stuff manually. What's genuinely free with no upsell wall?","community":"Money","score":1,"answer_count":2,"standing":{"kind":"leading","answer_votes":1,"leading":{"id":75,"name":"Goodbudget","score":1},"runner_up":{"id":68,"name":"Actual Budget (self-hosted)","score":0}},"author":{"username":"frugaljo","verified":true},"voted":false,"vote":0,"created_at":"2026-09-14T18:18:37.034Z","url":"https://settd.com/p/208","thumbnail":null},"comments":[{"id":75,"name":"Goodbudget","body":"I'm on the free tier and it's exactly what you describe — manual envelope budgeting, no bank sync, and the free plan gives you 20 envelopes. I type in groceries, rent, and fun money by hand every night. They do sell a paid tier but the free one never locked my charts or nagged me, which is why I deleted the other three I tried. If 20 envelopes covers your life, it's genuinely free.","score":1,"rank_score":6,"author":{"username":"samhustles","verified":true},"voted":false,"vote":0,"created_at":"2026-09-15T00:33:22.169Z"},{"id":68,"name":"Actual Budget (self-hosted)","body":"Actual Budget. It's open source and free if you self-host — your data stays local, real envelope budgeting, no account needed for the local version.\n\nCheckable: the repo is on GitHub and the docs walk through the local setup in under 15 minutes. If self-hosting sounds like work, GNUCash is free forever but looks like 2003. For manual entry with zero upsell, Actual wins.","score":0,"rank_score":0,"author":{"username":"dandev","verified":false},"voted":false,"vote":0,"created_at":"2026-09-14T18:26:09.653Z"}],"pagination":{"limit":50,"offset":0,"has_more":false,"next_offset":null}}