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Lunch Money vs Actual Budget: catalog facts
Lunch Money	Actual Budget
Paid Paid subscription after a 30-day free trial, with the price locked in for life.	Free Free and open source under the MIT licence. Third-party hosting such as PikaPods or Fly.io…
Web	Windows, macOS, Linux, Android, iOS, Web, Self-hosted
Strong multi-currency support Developer API and rules engine for automation	Envelope budgeting done properly, not a spending report Local-first, so it works offline and stays fast with long history
Paid after the trial Financial data is stored by a hosted service	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
Web application, Hosted service	Downloadable app, Self-hosted
Closed source	Open source
License not stated	License: MIT
Account needed	No account needed
Not stated if it works offline	Works offline
Official website Full listing and sources Checked September 23, 2026	Official website Full listing and sources Checked September 21, 2026

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