Actual vs Mint - Detailed Comparison (2024)

Feature	Actual ★ 4.00 View Details →	Mint ★ 3.80 View Details →
Basic Information
Website	Visit Site ↗	Visit Site ↗
Pricing Model	Free	Free
Price Details	Free and open-source; optional donations for development support.	Was free before Intuit pulled the plug. Now it costs you nothing but your tears.
Monthly Price	Free	Free
Annual Price	Free	Free
Founded	2017	2006
Platform Support
Web	✓	✓
Ios	✗	✓
Android	✗	✓
Windows	✓	✓
Mac	✓	✓
Linux	✓	✓
Features
Bank account syncing	✗	✓
Bank file imports (QIF, QFX, OFX)	✓	✗
Bill payment reminders	✗	✓
Budget creation	✗	✓
Credit score monitoring	✗	✓
Custom categories	✓	✗
Envelope budgeting	✓	✗
Financial goal setting	✗	✓
Import from YNAB	✓	✗
Investment tracking	✗	✓
Mobile-friendly web interface	✓	✗
Multiple account support	✓	✗
Open-source codebase	✓	✗
Reporting and analytics	✓	✗
Self-hosted sync	✓	✗
Spending tracking	✗	✓
Transaction categorization	✗	✓
Transaction tracking	✓	✗
Pros & Cons
Pros	+ No subscription fees—your wallet breathes easy + Privacy-first with self-hosting + Active open-source community	+ Was free and easy to use + Great for visualizing spending habits + Automatic transaction syncing saved time
Cons	− Self-hosting can be a techy headache − No native mobile app—just a web interface − No automatic bank sync	− Dead as a doornail since 2024 − No more updates or support − Credit Karma migration felt like a downgrade

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Quick Summary

Best for:

Budget-conscious users

Platform coverage:

4 platforms

Feature count:

10 features

Best for:

Budget-conscious users

Platform coverage:

6 platforms

Feature count:

8 features