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Compare Budgeting Apps

Side-by-side comparison of 2 budgeting apps

Feature

Actual

★ 4.00
View Details →

Empower

★ 4.00
View Details →
Basic Information
Website Visit Site ↗ Visit Site ↗
Pricing Model Free Freemium
Price Details Free and open-source; optional donations for development support. Free for dashboard and tools; advisory services start at 0.89% AUM for the first $1M, dropping to 0.49% above $10M.
Monthly Price Free Free
Annual Price Free Free
Founded 2017 2009
Platform Support
Web
Ios
Android
Windows
Mac
Linux
Features
Account aggregation
Bank file imports (QIF, QFX, OFX)
Budget and cash flow tracking
Custom categories
Debt paydown planner
Emergency fund recommendations
Envelope budgeting
Fee Analyzer for hidden investment costs
Import from YNAB
Investment portfolio analysis
Mobile-friendly web interface
Multiple account support
Net worth tracking
Open-source codebase
Reporting and analytics
Retirement planning tools
Self-hosted sync
Tax optimization strategies
Transaction categorization
Transaction tracking
Pros & Cons
Pros
  • + No subscription fees—your wallet breathes easy
  • + Privacy-first with self-hosting
  • + Active open-source community
  • + Free and robust financial tracking tools
  • + User-friendly, visually appealing interface
  • + Comprehensive investment analysis
Cons
  • Self-hosting can be a techy headache
  • No native mobile app—just a web interface
  • No automatic bank sync
  • Frequent account syncing issues
  • Limited transaction customization (no date changes or manual entries)
  • Advisory fees are steep compared to competitors

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Quick Summary

Actual

Best for:

Budget-conscious users

Platform coverage:

4 platforms

Feature count:

10 features

Empower

Best for:

Users wanting to try before buying

Platform coverage:

6 platforms

Feature count:

10 features