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Actual Budget vs Goodbudget: catalog facts
Actual Budget	Goodbudget
Free Free and open source under the MIT licence. Third-party hosting such as PikaPods or Fly.io…	Freemium Free to start, with a paid Premium plan for extra features.
Windows, macOS, Linux, Android, iOS, Web, Self-hosted	Android, iOS, Web
Envelope budgeting done properly, not a spending report Local-first, so it works offline and stays fast with long history	Envelope budgeting method Budgets sync and share across a household
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	Transaction import requires Premium Budget data is held by the service
Downloadable app, Self-hosted	Downloadable app, Web application, Hosted service
Open source	Closed source
License: MIT	License not stated
No account needed	Account 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 September 23, 2026

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