Actual Budget vs Money Manager
Actual Budget
actualbudget.orgMoney Manager
realbyteapps.comSide by side
| Figure | Actual Budget | Money Manager |
|---|---|---|
| Price from | Free | Free |
| Free plan | Yes | Yes |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | — |
| Windows | Yes | — |
| macOS | Yes | — |
| Linux | Yes | — |
| iOS | — | Yes |
| Android | — | Yes |
| API | Yes | — |
| Self-hosted | Yes | — |
| Plans published | 1 | 6 |
| Spec score · Personal Budgeting and Expense Tracking Apps | 8.7 (#2) | 7.9 (#12) |
| Spec score · Personal Finance Software | 8.7 (#18) | 7.9 (#101) |
| Spec score · Budgeting And Expense Tracking | 8.7 (#4) | 8.0 (#16) |
| Account sync | both | manual |
| Bill tracking | Yes | Yes |
| Budgeting tools | Yes | Yes |
| Free plan | Yes | Yes |
| Purpose | Actual Budget is a privacy-focused finance app built around envelope budgeting. | Money Manager is presented as an app for managing personal finances. |
| Report export | Yes | Yes |
| Support | The documentation directs users to the maintainers and community for help and support. | The Help Center offers Android and iOS guides and lets users submit a support request for staff follow-up. |
Plans
Money Manager
- FreeFree
- Premium / Remove AdsPrice not published
- Data Sync monthlyPrice not published
- Data Sync annualPrice not published
- Free versionFree
- Premium versionPrice not published
In their own words
Actual Budget
Actual Budget is a privacy-focused finance app built around envelope budgeting. It lets users assign only cash they have on hand, manage split transactions and transfers, and track bills and net worth. The app stores data on the local device and a selected Actual server, and it works without a network connection. Reports include net worth and cash flow, alongside a custom report engine, and users can export reports. Actual imports QIF, OFX, QFX, CAMT.053 and CSV files. Bank syncing requires actual-server and credentials from a chosen provider, and automatic syncing is off by default. Optional end-to-end encryption prevents the server from accessing encrypted budget data, but it does not cover bank sync tokens; losing the encryption password without a local copy means the encrypted data cannot be recovered. Desktop clients are available for Windows, macOS and Linux, with web access and several self-hosting options. The free, MIT-licensed plan costs nothing.
Money Manager
Money Manager has no write-up on Specifiction yet; its figures are above.