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Actual Budget vs Firefly III: catalog facts
Actual Budget	Firefly III
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 AGPL 3.0. You provide the hosting.
Windows, macOS, Linux, Android, iOS, Web, Self-hosted	Windows, macOS, Linux, Web, Self-hosted
Envelope budgeting done properly, not a spending report Local-first, so it works offline and stays fast with long history	Budgets, categories, tags, bills and recurring transactions in one place Rules that categorise transactions as they arrive
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	A PHP application with a database that you have to run and update Bank imports need a separate companion tool
Downloadable app, Self-hosted	Self-hosted
Open source	Open source
License: MIT	License: AGPL-3.0
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 21, 2026

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