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Monarch MoneyActual Budget
Paid

Paid subscription, with introductory discounts on the first year.

 Free

Free and open source under the MIT licence. Third-party hosting such as PikaPods or Fly.io…

Android, iOS, Web Windows, macOS, Linux, Android, iOS, Web, Self-hosted
  • Automatic categorization of connected accounts
  • Shared access for a partner or adviser at no extra cost
  • Envelope budgeting done properly, not a spending report
  • Local-first, so it works offline and stays fast with long history
  • Requires an account and a paid subscription
  • Financial data is held by a cloud 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
Downloadable app, 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

Checked September 23, 2026

Checked September 21, 2026

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