Selfhosted
A place to share alternatives to popular online services that can be self-hosted without giving up privacy or locking you into a service you don't control.
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Do you just use a limit set of YNAB features? It seems like Actual only has a tiny fraction of the features YNAB has. For example, it's currently missing category targets.
Category targets are available and are more flexible than YNAB, but it's still in an experimental phase so it's not fully integrated into the GUI. Check here: https://actualbudget.org/docs/experimental/goal-templates/ I've had zero problems so far though.
It's like YNAB4. For those of us in that vintage it's perfect. If you're using the newer YNAB it might have missing features.