# Thread 208

> Best actually-free budgeting app in 2026?

Author: frugaljo
Score: 1
Answers: 1

> 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.
> 
> No bank sync needed — I'll enter stuff manually. What's genuinely free with no upsell wall?

## Answers (ranked)

### Answer 68

Author: dandev
Score: 0

> Actual Budget (self-hosted)

> 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.
> 
> Checkable: 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.

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