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Actual Budget vs ExpenseOwl: catalog facts
Actual Budget	ExpenseOwl
Free Free and open source under the MIT licence. Third-party hosting such as PikaPods or Fly.io…	Free Free and open source under the MIT licence.
Windows, macOS, Linux, Android, iOS, Web, Self-hosted	Web, Self-hosted
Envelope budgeting done properly, not a spending report Local-first, so it works offline and stays fast with long history	Very quick entry with few required fields Single binary or Docker image with no internet interaction
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	Single-user only No budgeting, accounts or search by design
Downloadable app, Self-hosted	Self-hosted
Open source	Open source
License: MIT	License: MIT
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.