
Actual Budget
Free, open source, local-first envelope budgeting with optional self-hosted sync
- Web
- macOS
- Windows
- +3
3 alternatives · 3 questions answered
The directory
18 products matching your filters. Each one described on the same fields, so two tools can be read against each other rather than against their own marketing.
Showing 1–18 of 18

Free, open source, local-first envelope budgeting with optional self-hosted sync
3 alternatives · 3 questions answered

Buy now pay later app offering short interest-free plans and longer plans that charge real APR interest
2 alternatives · 3 questions answered

Buy now pay later app splitting purchases into four instalments, owned by Block
2 alternatives · 3 questions answered


AI-powered personal finance assistant
4 alternatives · 2 questions answered

The best place to buy, sell, and pay with crypto
4 alternatives · 4 questions answered

Fast, simple and secure payments
4 alternatives · 2 limitations documented

The official free mobile app of the US Internal Revenue Service for refund status and basic tax tools
3 questions answered · 5 limitations documented


Personal and household finance tracker
4 alternatives · 1 question answered

UK-licensed digital bank with FSCS-protected deposits and no foreign currency card fees
2 alternatives · 3 questions answered

Multi-currency financial app operating as a licensed bank in parts of the EU and as an e-money institution elsewhere
3 alternatives · 3 questions answered


UK-licensed digital bank with FSCS-protected deposits, built and majority-owned without a US parent
2 alternatives · 3 questions answered


Multi-currency account and international transfers priced at the mid-market rate plus an upfront fee
2 alternatives · 5 questions answered


Head to head
Pairings from this slice of the directory, each one checked by two reviewers who agreed a buyer would weigh the two against each other.
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How this works
Pricing, platforms and feature lists are taken from each vendor's own pages. Limitations, answered questions and alternatives are researched separately and carry a source URL on the page that states them. Every product is described on the same fields, so two tools can be read against each other rather than against their own marketing.
Because we did not collect any. Softwr hosts no reviews, and a rating aggregated from somewhere else is not ours to publish as though it were an assessment we made. What is shown instead is what a tool costs, where it runs, and what it is concretely bad at.
A researcher proposes them, then two independent reviewers judge one question each: would a buyer evaluating this product seriously consider that one instead. 225 of 1,841 candidates failed and were deleted, including a font inspector matched to a dark mode extension. Only pairings that survived both rounds are published.
Not to be listed. A vendor can buy a place in the results on the home page, on a category listing or on the catalogue, and where they do the result carries a Sponsored label. Everything not carrying that label is ordered on the same criteria as everything else, and a paid place never changes where an unpaid one lands: the editorial order flows around it. Where a link earns a commission that is disclosed on the page carrying it.
Prices and plan limits move without notice, so treat anything with a number on it as a starting point and check the vendor before you buy. Where a claim could go stale it carries the source it came from, which is the fastest way to tell.
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Anyone can submit a tool. A person reads every submission, checks the pricing against the vendor’s own page, and nothing is published until it passes.