nomoat / Actual Budget / Alternatives
Alternatives to Actual Budget
Actual Budget: Local-first envelope budgeting app that syncs across devices and can encrypt your data, for people tracking their own spending. Here are 6 other products that do a similar job. Of these, 2 have a free plan, 1 sells for a one-off price.
- AceMoney
Personal finance ledger for Windows, Mac and Linux with budgets and reports, plus a phone app for receipts.
Free plan · Money and budgeting · Individuals and families
- Bilancio Money
Links your bank accounts, builds a budget from past spending and shows plainly whether this month is on plan.
Subscription · Money and budgeting · Individuals and families
- Envelope
Budget planner that comes with its own bank account and debit cards, so people sort money into envelopes and pay from each.
Subscription · Money and budgeting · Individuals and families
- EnvelopeBudget
Envelope budgeting for one person or a household: split each paycheck into envelopes and see what is left to spend.
Subscription · Money and budgeting · Individuals and families
- Moony
Free desktop app that keeps your bank accounts, investments, property and loans in one overview, stored only on your computer.
Free · Money and budgeting · Individuals and families
- Pane
Links your bank accounts so you can ask Claude, ChatGPT or other AI tools about your spending and balances.
Since 2026
Subscription · Money and budgeting · Individuals and families