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Actual Budget vs monetr: catalog facts
Actual Budget	monetr
Free Free and open source under the MIT licence. Third-party hosting such as PikaPods or Fly.io…	Freemium The hosted service offers a 30-day free trial; self-hosting is free.
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	Budgets for expenses on any recurring interval Shows how much is left over after setting money aside
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	Automatic bank sync depends on Plaid License terms are not stated in the research
Downloadable app, Self-hosted	Web application, Self-hosted, Hosted service
Open source	Closed 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 October 2, 2026

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