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Compare Budgeting Apps

Side-by-side comparison of 2 budgeting apps

Feature

Actual

★ 4.00
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EveryDollar

★ 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 version for basic budgeting; Premium (via Ramsey+) costs $129.99/year or $17.99/month for bank sync, group coaching, and more.
Monthly Price Free $17.99
Annual Price Free $129.99
Save $85.89/year
Founded 2017 2015
Platform Support
Web ✓ ✓
Ios ✗ ✓
Android ✗ ✓
Windows ✓ ✓
Mac ✓ ✓
Linux ✓ ✓
Features
Bank account syncing (Premium) ✗ ✓
Bank file imports (QIF, QFX, OFX) ✓ ✗
Custom categories ✓ ✗
Customizable budget categories ✗ ✓
Debt payoff tracking ✗ ✓
Envelope budgeting ✓ ✗
Export transactions as CSV (Premium) ✗ ✓
Goal setting for savings ✗ ✓
Import from YNAB ✓ ✗
Manual transaction entry (free version) ✗ ✓
Mobile-friendly web interface ✓ ✗
Multi-device syncing ✗ ✓
Multiple account support ✓ ✗
Open-source codebase ✓ ✗
Ramsey Baby Steps integration ✗ ✓
Reporting and analytics ✓ ✗
Self-hosted sync ✓ ✗
Spending insights and reports ✗ ✓
Transaction tracking ✓ ✗
Zero-based budgeting ✗ ✓
Pros & Cons
Pros
  • + No subscription fees—your wallet breathes easy
  • + Privacy-first with self-hosting
  • + Active open-source community
  • + Super simple interface for budgeting newbies
  • + Encourages disciplined zero-based budgeting
  • + Bank sync works well when it’s not throwing tantrums
Cons
  • − Self-hosting can be a techy headache
  • − No native mobile app—just a web interface
  • − No automatic bank sync
  • − Free version is bare-bones; manual entry is a chore
  • − Bank sync issues reported—likes to ghost your transactions
  • − Premium is pricey for what’s essentially a glorified spreadsheet

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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

EveryDollar

Best for:

Users wanting to try before buying

Platform coverage:

6 platforms

Feature count:

10 features

View Full Details Visit Website