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Actual Budget vs Quicken Simplifi: catalog facts
Actual Budget	Quicken Simplifi
Free Free and open source under the MIT licence. Third-party hosting such as PikaPods or Fly.io…	Paid Subscription, listed at $3.99 per month billed annually (regular price $6.99).
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	Budget view showing what is left after bills and subscriptions Savings goals with progress tracking
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 subscription only Financial data is held by a cloud service
Downloadable app, Self-hosted	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.