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Actual Budget vs Lunch Money: catalog facts
Actual Budget	Lunch Money
Free Free and open source under the MIT licence. Third-party hosting such as PikaPods or Fly.io…	Paid Paid subscription after a 30-day free trial, with the price locked in for life.
Windows, macOS, Linux, Android, iOS, Web, Self-hosted	Web
Envelope budgeting done properly, not a spending report Local-first, so it works offline and stays fast with long history	Strong multi-currency support Developer API and rules engine for automation
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	Paid after the trial Financial data is stored by a hosted service
Downloadable app, Self-hosted	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.