Softwr

Personal Finance · head to head

Actual Budget vs Wallet

Actual Budget logo

Actual Budget

Personal Finance

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

From
Free
Rated
-
Full reviewWebsite
W

Wallet

Personal Finance

Smart expense tracking and budgeting

From
Free
Rated
-
Full reviewWebsite

The short version

  • They diverge on capability: Actual Budget covers Envelope budgeting, Wallet covers Expense tracking.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

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

Attributes where Actual Budget and Wallet differ
AttributeActual BudgetWallet
Pricing modelOpen source, no licence fee; optional paid hosted sync and subscription tierfreemium
PlatformsWeb, macOS, Windows, Linux, iOS, AndroidWeb, IOS, Android
FoundedUnknown2010

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

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 Wallet

  • Expense tracking
  • Budget management
  • Receipt scanning
  • Financial analytics
  • Bank accounts
  • Web support
  • IOS support
  • Android 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 Wallet
  • Someone who wants their financial data to stay on hardware they control, using a home server for syncnot Wallet
  • A technically comfortable household running a small self-hosted stack who wants budgeting alongside itnot Wallet
  • A user who is fine paying a small hosted fee for sync convenience without wanting a full YNAB-style subscriptionnot Wallet

Wallet

  • Budget Managementnot Actual Budget
  • Expense Trackingnot Actual Budget
  • Investment Trackingnot 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.

Wallet

Nothing recorded yet. See the Wallet review.

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

Wallet

Free
  • FreeFree
    • Expense tracking
    • Basic budgets
  • Premium$4.99/month
    • Advanced analytics
    • Custom categories
    • Receipt scanning

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 Wallet if

  • You need expense tracking.
  • You want to start without paying.
  • You work on Web, IOS, Android.
  • You also want budget management.
Wallet review

Questions people ask

Is Actual Budget or Wallet better?
Neither clearly leads. Actual Budget starts at Free and Wallet at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Actual Budget or Wallet?
Actual Budget starts at Free and Wallet at Free.
Does Actual Budget or Wallet run on more platforms?
Actual Budget runs on Web, macOS, Windows, Linux, iOS, Android. Wallet runs on Web, IOS, Android.
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 Wallet is typically brought in for.
What can Actual Budget do that Wallet cannot?
Actual Budget covers Envelope budgeting, Local-first data, Self-hosted sync, Bank sync via SimpleFIN or GoCardless. Wallet covers Expense tracking, Budget management, Receipt scanning, Financial analytics.

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.

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.

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.

Share

Related pages

More on Actual Budget

More on Wallet

Keep looking

Other head to heads