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Actual Budget vs Buckets: catalog facts
Actual Budget	Buckets
Free Free and open source under the MIT licence. Third-party hosting such as PikaPods or Fly.io…	Paid One-time $64 license with an untimed free trial, covering all computers in the household.
Windows, macOS, Linux, Android, iOS, Web, Self-hosted	Windows, macOS, Linux, Android, iOS
Envelope budgeting done properly, not a spending report Local-first, so it works offline and stays fast with long history	Finances stay on your own computer One-time payment with no subscription
Syncing between devices needs a server, which is a step most apps hide Automatic bank connections depend on your country and a third-party service	Closed source Envelope method may not suit every budgeting style
Downloadable app, Self-hosted	Downloadable app
Open source	Closed source
License: MIT	License not stated
No account needed	Not stated if an account is needed
Works offline	Works offline
Official website Full listing and sources Checked September 21, 2026	Official website Full listing and sources Checked September 23, 2026

Catalog facts only. Anything “not stated” is unconfirmed. Check full listings for details.