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Compare Budgeting Apps

Side-by-side comparison of 2 budgeting apps

Feature

Actual

★ 4.00
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YNAB (You Need A Budget)

★ 4.70
View Details →
Basic Information
Website Visit Site ↗ Visit Site ↗
Pricing Model Free Subscription
Price Details Free and open-source; optional donations for development support. 34-day free trial; then $15/month or $109/year. Free for college students for one year.
Monthly Price Free $15.00
Annual Price Free $109.00
Save $71.00/year
Founded 2017 2004
Platform Support
Web
Ios
Android
Windows
Mac
Linux
Features
Bank account syncing via Plaid/TrueLayer
Bank file imports (QIF, QFX, OFX)
Custom categories
Customizable budget categories
Envelope budgeting
Goal setting for savings and debt
Import from YNAB
Loan calculator for debt management
Manual transaction entry option
Mobile-friendly web interface
Multiple account support
Open-source codebase
Real-time syncing across devices
Reporting and analytics
Self-hosted sync
Shared budgeting for up to six users
Spending and net worth reports
Target setting for irregular expenses
Transaction tracking
Zero-based budgeting
Pros & Cons
Pros
  • + No subscription fees—your wallet breathes easy
  • + Privacy-first with self-hosting
  • + Active open-source community
  • + Forces disciplined, intentional spending
  • + Excellent bank syncing when it works
  • + Detailed reports for financial nerds
Cons
  • Self-hosting can be a techy headache
  • No native mobile app—just a web interface
  • No automatic bank sync
  • Pricey subscription for a budgeting app
  • Steep learning curve for newbies
  • Bank sync can be slow or glitchy

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Quick Summary

Actual

Best for:

Budget-conscious users

Platform coverage:

4 platforms

Feature count:

10 features

YNAB (You Need A Budget)

Best for:

Users wanting ongoing support

Platform coverage:

6 platforms

Feature count:

10 features