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Compare Budgeting Apps

Side-by-side comparison of 2 budgeting apps

Feature

Actual

★ 4.00
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EnvelopeBudget

★ 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. Includes a 92-day free trial to test your budgeting chops. Post-trial, it’s $4/month or $40/year for premium features.
Monthly Price Free $4.00
Annual Price Free $40.00
Save $8.00/year
Founded 2017 2010
Platform Support
Web ✓ ✓
Ios ✗ ✓
Android ✗ ✓
Windows ✓ ✓
Mac ✓ ✓
Linux ✓ ✓
Features
Bank file imports (QIF, QFX, OFX) ✓ ✗
Calendar view for transactions ✗ ✓
Comprehensive transaction search ✗ ✓
Custom categories ✓ ✗
Dashboard with account balance trends ✗ ✓
Debt snowball method support ✗ ✓
Envelope budgeting ✓ ✗
Import from YNAB ✓ ✗
Mobile-friendly web interface ✓ ✗
Multiple account support ✓ ✗
Open-source codebase ✓ ✗
Real-time expense tracking ✗ ✓
Reporting and analytics ✓ ✗
Self-hosted sync ✓ ✗
Transaction tracking ✓ ✗
Virtual envelope budgeting ✗ ✓
Visual spending reports ✗ ✓
Pros & Cons
Pros
  • + No subscription fees—your wallet breathes easy
  • + Privacy-first with self-hosting
  • + Active open-source community
  • + 92-day free trial offers plenty of time to rethink your spending habits
  • + Slick, user-friendly interface for envelope budgeting fans
  • + Debt tracking tools to tackle your financial baggage
Cons
  • − Self-hosting can be a techy headache
  • − No native mobile app—just a web interface
  • − No automatic bank sync
  • − Stuck on web-only until those mobile apps arrive
  • − Pricing details on their site are as clear as a foggy morning
  • − Mobile apps still in the oven—hope you like waiting

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Quick Summary

Actual

Best for:

Budget-conscious users

Platform coverage:

4 platforms

Feature count:

10 features

View Full Details Visit Website

EnvelopeBudget

Best for:

Users wanting to try before buying

Platform coverage:

6 platforms

Feature count:

7 features

View Full Details Visit Website