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Actual Budget vs Buddy: catalog facts
Actual Budget	Buddy
Free Free and open source under the MIT licence. Third-party hosting such as PikaPods or Fly.io…	Freemium Free to try, with paid features.
Windows, macOS, Linux, Android, iOS, Web, Self-hosted	iOS
Envelope budgeting done properly, not a spending report Local-first, so it works offline and stays fast with long history	Shared budgets with synced transactions Simple budget setup
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	Only an iOS app is listed Full feature set is not free
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	Not stated if it works offline
Official website Full listing and sources Checked September 21, 2026	Official website Full listing and sources Checked October 2, 2026

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