← Back to facto Overview
The Showdown

You Need A Budget (YNAB)vsfacto

Why pay monthly fees for You Need A Budget (YNAB) when you can self-host facto for free? Let's look at the facts.

You Need A Budget (YNAB)

The Expensive Option

  • Closed Source (Black box)
  • Expensive monthly fees per user
  • Data stored on their servers
WINNER

facto

The Freedom Choice

  • 100% Open Source Code
  • Free forever (Self-hosted)
  • You own your data completely
Get facto Now
Interactive Calculator

Calculate Your "SaaS Tax"

SaaS pricing is designed to scale with your success. See how much wealth transfers from your bank account to You Need A Budget (YNAB)'s shareholders.

10 people
150100200+
$

*Estimated standard pricing for You Need A Budget (YNAB). Adjust if needed.

Estimated Annual Waste
$1,440
Monthly Burn Rate$120
5-Year Projection$7,200
Cost with Self-Hosted$0
Start Saving Today

Calculations based on 10 users at $12/mo.

Detailed Breakdown

0
Cloud-only
Self-hosted (Docker/VPS)
1
Monthly/Annual fee
None
2
Export only
Direct DB access