Actual is a personal finance app that embraces the idea of "zero-based budgeting", where you budget every dollar you have. You can't add money to the budget that you don't have. This means your budget always reflects your real finances, instead of being made-up numbers that you have to continually reconcile and make sure are accurate.
This is an envelope-based budgeting software similar to YNAB. The program is pretty snappy and quick (vs. YNAB's web software that I find runs very slowly on my laptop). It's only 4 USD a month which is much cheaper.