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Compare Budgeting Apps

Side-by-side comparison of 2 budgeting apps

Feature

Actual

★ 4.00
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Spendee

★ 4.50
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Basic Information
Website Visit Site ↗ Visit Site ↗
Pricing Model Free Freemium
Price Details Free and open-source; optional donations for development support. Free version with basic tracking; Plus ($14.99/year) adds bank sync; Premium ($35.99/year) includes shared wallets and unlimited budgets.
Monthly Price Free $2.99
Annual Price Free $35.99
Founded 2017 2013
Platform Support
Web ✓ ✓
Ios ✗ ✓
Android ✗ ✓
Windows ✓ ✓
Mac ✓ ✓
Linux ✓ ✓
Features
Bank account sync (Plus/Premium) ✗ ✓
Bank file imports (QIF, QFX, OFX) ✓ ✗
Budget creation ✗ ✓
Custom categories ✓ ✓
Data export (CSV/XLS, limited in free version) ✗ ✓
Envelope budgeting ✓ ✗
Expense tracking ✗ ✓
Import from YNAB ✓ ✗
Mobile-friendly web interface ✓ ✗
Multi-currency support ✗ ✓
Multiple account support ✓ ✗
Open-source codebase ✓ ✗
Reporting and analytics ✓ ✗
Secure encryption ✗ ✓
Self-hosted sync ✓ ✗
Shared wallets (Premium) ✗ ✓
Spending charts and insights ✗ ✓
Transaction tracking ✓ ✗
Pros & Cons
Pros
  • + No subscription fees—your wallet breathes easy
  • + Privacy-first with self-hosting
  • + Active open-source community
  • + Gorgeous, user-friendly interface
  • + Bank sync is a lifesaver for lazy trackers
  • + Shared wallets great for couples or group trips
Cons
  • − Self-hosting can be a techy headache
  • − No native mobile app—just a web interface
  • − No automatic bank sync
  • − Free version limits data export to 365 days
  • − No desktop app, just web
  • − Bank sync can be glitchy in some regions

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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

Spendee

Best for:

Users wanting to try before buying

Platform coverage:

6 platforms

Feature count:

9 features

View Full Details Visit Website