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Actual Budget vs Denaro: catalog facts
Actual Budget	Denaro
Free Free and open source under the MIT licence. Third-party hosting such as PikaPods or Fly.io…	Free Free and open source.
Windows, macOS, Linux, Android, iOS, Web, Self-hosted	Linux
Envelope budgeting done properly, not a spending report Local-first, so it works offline and stays fast with long history	Manages multiple accounts at once Native GNOME app packaged for Flatpak and Snap
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	Linux only in its current form No automatic bank sync
Downloadable app, Self-hosted	Downloadable app
Open source	Open source
License: MIT	License: MIT
No account needed	No account 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.