100% Free — No Credit Card

Free YNAB AlternativeOffline & Private

Budgero Core is a fully free, offline budgeting app with no account, no bank sync, and no subscription. Import your YNAB data and keep budgeting.

Try Budgero Core Free

Available for desktop (Mac, Windows, Linux) or browser. All data stays on your device.

Is Budgero really free?

Yes.

  • Budgero Core is 100% free
  • No trial period — free forever
  • No account required
  • No ads, ever
  • No data collection
  • Self-host option with full features — also free

Why is it free? The free version is offline-only. If you want cloud sync, collaboration, and multi-currency support, you can self-host Budgero for free or use the managed Budgero Cloud plan. But for solo budgeting on one device, Core is all you need.

Seamless Migration

Import Your YNAB Data in Minutes

Don't start from scratch. Budgero imports your entire YNAB budget — transactions, categories, groups, and assignments — automatically.

1

Export from YNAB

Download your budget data from YNAB settings

2

Drop into Budgero

Upload the file and Budgero maps everything automatically

3

Keep Budgeting

All your history, categories, and workflow — preserved

Why Budgero Is the Best Free YNAB Alternative

Here's how it stacks up

FeatureBudgero (Free)YNAB
PriceFree (offline)
$109/year
Account required
Works offline
Bank sync
By design — privacy first
LimitedUS/Canada/EU only
Data stored locally
Stops working if you cancel
Zero-based budgeting
Import from YNAB
N/A
No ads
No data collection

This is for you if:

  • You want a free YNAB alternative without trials or limitations
  • You're okay with manual transaction entry
  • You're outside US/Canada/EU where YNAB bank sync doesn't work anyway
  • You value privacy over automation
  • You want something that keeps working forever
  • You have YNAB data you want to bring over

This is NOT for you if:

  • You need automatic bank sync
  • You need to sync across multiple devices (unless you self-host — that's free too)
  • You're fine with paying $109/year
  • You need shared budgets (check Budgero Cloud)

"I used YNAB for 5 years. Bank sync never worked in my country, yet I was still paying full price. So I built Budgero — a zero-based budgeting app that works offline and keeps your data private."

— Budgero Founder

Ready to try the free YNAB alternative?

No signup. No credit card. Just open it and start budgeting.

Get Budgero Core — Free Forever

Need sync and collaboration? Self-host for free or check out Budgero Cloud