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Actual Budget vs GraphQL Apollo

Actual Budget logo

Actual Budget

Personal Finance

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

From
Free
Rated
-
Full reviewWebsite
GraphQL Apollo logo

GraphQL Apollo

APIs

Complete platform for building 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.; GraphQL Apollo standard and Enterprise plans require sales contact for custom pricing
  • They diverge on capability: Actual Budget covers Envelope budgeting, GraphQL Apollo covers Apollo Server.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Actual Budget and GraphQL Apollo actually diverge.

Attributes where Actual Budget and GraphQL Apollo differ
AttributeActual BudgetGraphQL Apollo
Pricing modelOpen source, no licence fee; optional paid hosted sync and subscription tierfreemium
PlatformsWeb, macOS, Windows, Linux, iOS, AndroidJavaScript, Node.js, Web, Mobile
CategoryPersonal FinanceAPIs
FoundedUnknown2016

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 GraphQL Apollo

  • Apollo Server
  • Apollo Client
  • GraphQL Federation
  • REST APIs
  • Microservices
  • Databases
  • JavaScript support
  • 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 GraphQL Apollo
  • Someone who wants their financial data to stay on hardware they control, using a home server for syncnot GraphQL Apollo
  • A technically comfortable household running a small self-hosted stack who wants budgeting alongside itnot GraphQL Apollo
  • A user who is fine paying a small hosted fee for sync convenience without wanting a full YNAB-style subscriptionnot GraphQL Apollo

GraphQL Apollo

  • GraphQL API managementnot Actual Budget
  • Schema federationnot Actual Budget
  • API analytics and monitoringnot Actual Budget
  • Developer-focused infrastructurenot 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.

GraphQL Apollo

  • Standard and Enterprise plans require sales contact for custom pricing
  • Free plan limited to 3 developers and 1-day retention
  • Self-hosted router on free tier heavily rate-limited to 60 requests/minute

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

GraphQL Apollo

Free
  • FreeFree
    • 3 developers
    • 1-day data retention
    • Community support only
  • Developer$5/per million requests
    • $50 usage credit for new signups
    • Up to 10 developers
    • 7-day data retention
  • Standard$null/custom
    • Up to 30 developers
    • 90-day data retention
    • Standard support with SLA (8x5)
  • Enterprise$null/custom
    • Unlimited developers
    • 18-month data retention
    • Business support 24x7x365 with SLA

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 GraphQL Apollo if

  • You need apollo server.
  • You want to start without paying.
  • You work on JavaScript, Node.js, Web, Mobile.
  • You also want apollo client.
GraphQL Apollo review

Questions people ask

Is Actual Budget or GraphQL Apollo better?
Neither clearly leads. Actual Budget starts at Free and GraphQL Apollo at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Actual Budget or GraphQL Apollo?
Actual Budget starts at Free and GraphQL Apollo at Free.
Does Actual Budget or GraphQL Apollo run on more platforms?
Actual Budget runs on Web, macOS, Windows, Linux, iOS, Android. GraphQL Apollo runs on JavaScript, Node.js, Web, Mobile.
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 GraphQL Apollo is typically brought in for.
What can Actual Budget do that GraphQL Apollo cannot?
Actual Budget covers Envelope budgeting, Local-first data, Self-hosted sync, Bank sync via SimpleFIN or GoCardless. GraphQL Apollo covers Apollo Server, Apollo Client, GraphQL Federation, REST APIs.

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.

GraphQL Apollo: How much does Apollo GraphQL cost?

Apollo GraphQL is free for up to 3 developers. Paid plans start at $5 per million GraphQL requests on the Developer plan, which includes $50 usage credit for new signups. Standard and Enterprise plans require custom pricing via sales contact.

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.

GraphQL Apollo: Is there a free version of Apollo GraphQL?

Yes, Apollo GraphQL offers a forever-free plan with no credit card required for up to 3 developers, including 1-day data retention, community support, and self-hosted GraphOS Router rate-limited to 60 requests per minute.

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.

GraphQL Apollo: What does Apollo's Enterprise plan include that Standard does not?

The Enterprise plan offers unlimited developers versus 30 on Standard, 18-month data retention versus 90 days, and 24x7x365 business support with SLA instead of 8x5 support. It also includes premium and professional services add-ons and custom MSA agreements. Both require custom pricing.

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