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Personal Finance · head to head

Actual Budget vs Directus

Actual Budget logo

Actual Budget

Personal Finance

Free, open source, local-first envelope budgeting with optional self-hosted sync

From
Free
Rated
-
Full reviewWebsite
Directus logo

Directus

APIs

Open-source data platform providing REST and GraphQL APIs

From
Free
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Actual Budget self-hosting the sync server requires basic comfort with running and updating a small application, which is a real barrier for non-technical users.; Directus free permissive use of the self hosted product is limited to organisations under $5M annual revenue with fewer than 50 employees, so crossing either threshold turns a free dependency into a paid licence
  • They diverge on capability: Actual Budget covers Envelope budgeting, Directus covers REST API.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Actual Budget and Directus actually diverge.

Attributes where Actual Budget and Directus differ
AttributeActual BudgetDirectus
Pricing modelOpen source, no licence fee; optional paid hosted sync and subscription tieropen-source
PlatformsWeb, macOS, Windows, Linux, iOS, AndroidNode.js, Cloud, Self-hosted, Docker
CategoryPersonal FinanceAPIs
FoundedUnknown2014

Identical on both: starting price (Free), free tier (Yes), user rating (Not yet rated).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Actual Budget

  • Envelope budgeting
  • Local-first data
  • Self-hosted sync
  • Bank sync via SimpleFIN or GoCardless
  • Rules engine
  • Reports

Only in Directus

  • REST API
  • GraphQL API
  • Database management
  • PostgreSQL
  • MySQL
  • SQLite
  • Webhooks
  • Node.js support

What people use each for

The jobs each tool is most often brought in to do.

Actual Budget

  • A former YNAB user who wants the same envelope method without an ongoing subscriptionnot Directus
  • Someone who wants their financial data to stay on hardware they control, using a home server for syncnot Directus
  • A technically comfortable household running a small self-hosted stack who wants budgeting alongside itnot Directus
  • A user who is fine paying a small hosted fee for sync convenience without wanting a full YNAB-style subscriptionnot Directus

Directus

  • Wrapping an existing SQL database in a REST and GraphQL API with an admin interfacenot Actual Budget
  • Running a self hosted headless CMS over a schema you already ownnot Actual Budget

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Actual Budget

  • Self-hosting the sync server requires basic comfort with running and updating a small application, which is a real barrier for non-technical users.
  • Bank sync depends on SimpleFIN or GoCardless connectors rather than a broad built-in aggregator network, so coverage of smaller banks varies by region.
  • There is no dedicated customer support line, only community Discord and GitHub issues, which suits technical users but frustrates people expecting vendor support.
  • The mobile apps are less mature than the web and desktop experience, and some budgeting workflows are easier on desktop.
  • Because it is a smaller open source project, feature development depends on maintainer time and community contribution rather than a funded product roadmap.

Directus

  • Free permissive use of the self hosted product is limited to organisations under $5M annual revenue with fewer than 50 employees, so crossing either threshold turns a free dependency into a paid licence
  • The free Core tier is a hard limit of 3 seats, 25 collections and 5 flows
  • The Team plan is $499 a month billed annually, or $599 monthly, with extra seats at $50 each
  • Team caps collections at 50, expandable to 100, and flows at 20

Pricing, plan by plan

Actual Budget

Free
  • Actual BudgetFree
    • Full budgeting features
    • Self-hosted sync server
    • Community support only
  • Actual Budget$7.99/month
    • Managed hosted sync
    • Mobile app access
    • No server to maintain

Directus

Free
  • CommunityFree
    • Self-hosted Directus
    • Community support
  • Cloud$25/monthly
    • Managed cloud
    • Automatic updates
    • Backups

Which should you pick?

Choose Actual Budget if

  • You need envelope budgeting.
  • You want to start without paying.
  • You work on Web, macOS, Windows, Linux, iOS, Android.
  • You also want local-first data.
Actual Budget review

Choose Directus if

  • You need rest api.
  • You want to start without paying.
  • You work on Node.js, Cloud, Self-hosted, Docker.
  • You also want graphql api.
Directus review

Questions people ask

Is Actual Budget or Directus better?
Neither clearly leads. Actual Budget starts at Free and Directus at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Actual Budget or Directus?
Actual Budget starts at Free and Directus at Free.
Does Actual Budget or Directus run on more platforms?
Actual Budget runs on Web, macOS, Windows, Linux, iOS, Android. Directus runs on Node.js, Cloud, Self-hosted, Docker.
Can I use Actual Budget for free?
Both have a free tier, so you can try either at no cost before committing.
What is Actual Budget best used for?
Actual Budget is most often used for a former ynab user who wants the same envelope method without an ongoing subscription, someone who wants their financial data to stay on hardware they control, using a home server for sync, a technically comfortable household running a small self-hosted stack who wants budgeting alongside it, a user who is fine paying a small hosted fee for sync convenience without wanting a full ynab-style subscription. Of those, a former ynab user who wants the same envelope method without an ongoing subscription and someone who wants their financial data to stay on hardware they control, using a home server for sync are not what Directus is typically brought in for.
What can Actual Budget do that Directus cannot?
Actual Budget covers Envelope budgeting, Local-first data, Self-hosted sync, Bank sync via SimpleFIN or GoCardless. Directus covers REST API, GraphQL API, Database management, PostgreSQL.

Answered from the vendors’ own pages

Actual Budget: Is Actual Budget really free?

The core app and self-hosted sync are free and open source; there is also an optional paid hosted sync subscription if you do not want to run a server.

Directus: What is Directus's pricing?

Directus Core is free and self-hosted. The Team tier costs $499/month (annual) or $599/month (rolling), including 10 user seats and cloud hosting at $99/month additional. Enterprise plans have custom pricing. Additional seats cost $50/month each.

Source
Actual Budget: Do I need a server to use it?

Only if you want to sync a budget across multiple devices; a single-device budget works without any server at all.

Directus: Can I use Directus for free?

Yes, Directus Core is completely free with 3 user seats, 25 Collections, 5 Flows, AI Assistant, and Advanced RBAC. Self-hosting is available at no cost.

Source
Actual Budget: Does it connect to my bank automatically?

Yes, through SimpleFIN or GoCardless connectors, though coverage is narrower than commercial aggregators used by YNAB or Lunch Money.

Directus: How many user seats does each Directus tier include?

Core includes 3 user seats, Team includes 10 SSO seats, and Enterprise includes custom SSO seat counts. Additional Team seats cost $50/seat per month.

Source
Directus: What happens to my monthly Directus plan if I switch?

Monthly plans are grandfathered for six months after switching, and annual plans are honored until renewal. Self-hosted licenses are handled case-by-case at renewal.

Source
Directus: Is there a free trial for Directus?

No trial period is mentioned. Users can start with the free Core tier immediately without a credit card.

Source
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