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Actual Budget vs PocketSmith: catalog facts
Actual Budget	PocketSmith
Free Free and open source under the MIT licence. Third-party hosting such as PikaPods or Fly.io…	Freemium Offered on several plans; see the Plans and Pricing page for current tiers.
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	Forecasts future balances from planned income and spending Connects multiple bank accounts
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	Financial data is held by a cloud service Plan details are not listed on the homepage
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.