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Compare Budgeting Apps

Side-by-side comparison of 2 budgeting apps

Feature

Actual

★ 4.00
View Details →

Monarch Money

★ 4.50
View Details →
Basic Information
Website Visit Site ↗ Visit Site ↗
Pricing Model Free Subscription
Price Details Free and open-source; optional donations for development support. Monthly or annual subscription plans; free trial available
Monthly Price Free $14.99
Annual Price Free $99.99
Save $79.89/year
Founded 2017 2018
Platform Support
Web ✓ ✓
Ios ✗ ✓
Android ✗ ✓
Windows ✓ ✓
Mac ✓ ✓
Linux ✓ ✓
Features
Account syncing (bank, credit, investments) ✗ ✓
Ad-free experience ✗ ✓
Bank file imports (QIF, QFX, OFX) ✓ ✗
Collaboration with partners or advisors ✗ ✓
Custom categories ✓ ✗
Custom reports and visualizations ✗ ✓
Customizable budgets ✗ ✓
Envelope budgeting ✓ ✗
Goal tracking (savings, debt payoff) ✗ ✓
Import from YNAB ✓ ✗
Mobile-friendly web interface ✓ ✗
Multiple account support ✓ ✗
Net worth tracking ✗ ✓
Open-source codebase ✓ ✗
Privacy-focused (no data selling) ✗ ✓
Reporting and analytics ✓ ✗
Self-hosted sync ✓ ✗
Transaction categorization ✗ ✓
Transaction tracking ✓ ✗
Pros & Cons
Pros
  • + No subscription fees—your wallet breathes easy
  • + Privacy-first with self-hosting
  • + Active open-source community
  • + Clean, intuitive interface
  • + Syncs a wide range of accounts
  • + Great for couples or shared budgeting
Cons
  • − Self-hosting can be a techy headache
  • − No native mobile app—just a web interface
  • − No automatic bank sync
  • − No free plan—paywall city
  • − Can’t import Mint data directly (ouch)
  • − Some features feel basic for the price

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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

Monarch Money

Best for:

Users wanting ongoing support

Platform coverage:

6 platforms

Feature count:

9 features

View Full Details Visit Website