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Actual Budget vs PocketGuard: catalog facts
Actual Budget	PocketGuard
Free Free and open source under the MIT licence. Third-party hosting such as PikaPods or Fly.io…	Paid Paid service that starts with a 7-day free trial.
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	Shows leftover money after bills and goals at a glance Tracks subscriptions, recurring bills and net worth
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	Needs access to your bank accounts to work well Paid after the trial
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 24, 2026

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