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Compare Budgeting Apps

Side-by-side comparison of 2 budgeting apps

Feature

Actual

★ 4.00
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GnuCash

★ 4.20
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Basic Information
Website Visit Site ↗ Visit Site ↗
Pricing Model Free Free
Price Details Free and open-source; optional donations for development support. Completely free, open-source, and no hidden costs—unless you count the time spent learning its quirks.
Monthly Price Free Free
Annual Price Free Free
Founded 2017 1998
Platform Support
Web ✓ ✗
Ios ✗ ✗
Android ✗ ✗
Windows ✓ ✓
Mac ✓ ✓
Linux ✓ ✓
Features
Bank file imports (QIF, QFX, OFX) ✓ ✗
Check printing ✗ ✓
Custom categories ✓ ✗
Detailed reports and graphs ✗ ✓
Double-entry bookkeeping ✗ ✓
Envelope budgeting ✓ ✗
Financial calculations ✗ ✓
Import from YNAB ✓ ✗
Mobile-friendly web interface ✓ ✗
Mortgage and loan tracking ✗ ✓
Multi-currency support ✗ ✓
Multiple account support ✓ ✗
Open-source codebase ✓ ✗
QIF/OFX/CSV import ✗ ✓
Reporting and analytics ✓ ✗
Scheduled transactions ✗ ✓
Self-hosted sync ✓ ✗
Small business accounting tools ✗ ✓
Stock and mutual fund tracking ✗ ✓
Transaction tracking ✓ ✗
Pros & Cons
Pros
  • + No subscription fees—your wallet breathes easy
  • + Privacy-first with self-hosting
  • + Active open-source community
  • + Free as in beer and speech
  • + Robust accounting features for small businesses
  • + No vendor lock-in—your data is yours
Cons
  • − Self-hosting can be a techy headache
  • − No native mobile app—just a web interface
  • − No automatic bank sync
  • − Interface looks like it’s stuck in 1998
  • − Learning curve steeper than a tax audit
  • − No mobile app for on-the-go budgeting

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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

GnuCash

Best for:

Budget-conscious users

Platform coverage:

3 platforms

Feature count:

10 features

View Full Details Visit Website