Honest, up-to-date comparisons with YNAB, Mint, Quicken, Actual Budget, EveryDollar and GoodBudget: price, offline use, privacy, budgeting method and who each app is right for.
GoodBudget caps the free plan at 10 envelopes and 1 account, or $80 a year to lift it. BudgetForge AI gives you unlimited envelopes for free, offline on Windows. Here is the trade-off.
ComparisonEveryDollar is free for manual entry and $79.99 a year for bank sync. BudgetForge AI is free, offline and zero-based on Windows. Which fits your Baby Steps budget?
ComparisonActual Budget and BudgetForge AI are both free and local-first. One is open source and cross-platform with optional self-hosted sync; the other is a one-click Windows install with built-in insights.
ComparisonQuicken Classic and Simplifi are subscriptions. BudgetForge AI is a free Windows budgeting app. When is Quicken worth paying for, and when is the free app enough?
ComparisonMint closed in March 2024 and Credit Karma does not do budgets. Here is what former Mint users need, what BudgetForge AI covers, and how to import an old Mint CSV.
ComparisonYNAB costs $109 a year and needs an account and an internet connection. BudgetForge AI is a free, offline YNAB alternative for Windows. Here is how they compare.
| App | Price | Offline | Account | Data location | Bank sync | Platform |
|---|---|---|---|---|---|---|
| BudgetForge AI | Free | Yes | None | Your PC | No (CSV/QFX import) | Windows |
| YNAB | $14.99/mo · $109/yr | No | Required | Cloud | Yes | Web, iOS, Android |
| Mint | Discontinued (Mar 2024) | – | – | – | – | – |
| Quicken Simplifi | $5.99/mo billed yearly | No | Required | Cloud | Yes | Web, mobile |
| Quicken Classic | From about $35/yr | Partial | Required | Your PC + cloud | Yes | Windows, Mac |
| Actual Budget | Free (open source) | Yes | None | Your PC (optional server) | Partial | Windows, Mac, Linux, web |
| EveryDollar | Free · Premium $79.99/yr | No | Required | Cloud | Premium only | Web, mobile |
| GoodBudget | Free (limited) · $80/yr | No | Required | Cloud | No | Web, mobile |
Prices from vendor pricing pages, October 2026. Trademarks belong to their owners; BudgetForge AI is not affiliated with any of these companies.
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