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Compare Budgeting Apps

Side-by-side comparison of 2 budgeting apps

Feature

Actual

★ 4.00
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Finwise

★ 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 tier includes basic budgeting; premium unlocks advanced analytics, ad-free experience, and priority support.
Monthly Price Free $5.99
Annual Price Free $59.99
Save $11.89/year
Founded 2017 2020
Platform Support
Web ✓ ✓
Ios ✗ ✓
Android ✗ ✓
Windows ✓ ✓
Mac ✓ ✓
Linux ✓ ✓
Features
Bank account syncing ✗ ✓
Bank file imports (QIF, QFX, OFX) ✓ ✗
Basic financial goal planner ✗ ✓
Bill payment reminders ✗ ✓
Custom categories ✓ ✗
Customizable budget categories ✗ ✓
Envelope budgeting ✓ ✗
Import from YNAB ✓ ✗
Mobile-friendly web interface ✓ ✗
Multi-device access ✗ ✓
Multiple account support ✓ ✗
Open-source codebase ✓ ✗
Push notifications ✗ ✓
Real-time expense tracking ✗ ✓
Reporting and analytics ✓ ✗
Savings goal tracking ✗ ✓
Secure data encryption ✗ ✓
Self-hosted sync ✓ ✗
Spending insights and reports ✗ ✓
Transaction tracking ✓ ✗
Pros & Cons
Pros
  • + No subscription fees—your wallet breathes easy
  • + Privacy-first with self-hosting
  • + Active open-source community
  • + Sleek and user-friendly design
  • + Reliable bank sync for real-time updates
  • + Free version covers essential budgeting needs
Cons
  • − Self-hosting can be a techy headache
  • − No native mobile app—just a web interface
  • − No automatic bank sync
  • − Premium plan feels pricey for what’s offered
  • − No advanced investment or tax tools
  • − Occasional sync delays with some banks

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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

Finwise

Best for:

Users wanting to try before buying

Platform coverage:

6 platforms

Feature count:

10 features

View Full Details Visit Website