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Actual Budget vs Kresus: catalog facts
Actual Budget	Kresus
Free Free and open source under the MIT licence. Third-party hosting such as PikaPods or Fly.io…	Free Free and libre software with no paid tier.
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	Bank data and credentials stay on your own server Automatic daily transaction import
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	Requires running your own server Website and documentation are mainly in French
Downloadable app, Self-hosted	Self-hosted
Open source	Open 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 September 23, 2026

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