Actual Budget replaces 6 paid apps
One open-source tool, 6 subscriptions it can stand in for. Each pairing below is curated and verified by hand, with the honest catch spelled out. No votes, no pay-to-list.
licenseMIT
runsyour machine or their cloud
installNative desktop app for local-only use, or the official Docker/Node server for browser access and device sync
dataEach client works from a local SQLite budget; the server keeps account metadata plus budget blobs under its data directory, and optional end-to-end encryption covers budget contents but not bank-sync tokens.
setup✓ installs clean
facts verified 2026-08-11
Presupuestos, transacciones importadas, programaciones e informes en tu disco; el análisis de inversiones es mucho más limitado.
the catchActual has much weaker investment and net-worth analytics and no equally seamless household collaboration or managed multi-provider account aggregation.
the verdict →all Monarch Money alternatives →
Presupuesto por sobres, importaciones y reglas en tu propio disco; la sincronización bancaria es opcional, no obligatoria.
the catchActual reproduces envelope budgeting well but lacks YNAB's polished mobile coaching, educational method, support community, and turnkey bank connections.
the verdict →all YNAB alternatives →
Un libro contable transparente con importaciones, reglas e informes en tu propio disco; la sincronización bancaria automática es opcional.
the catchActual provides a transparent ledger but its hosted API, multi-currency workflow, automatic aggregation, and flexible transaction-analysis experience are less turnkey than Lunch Money's.
the verdict →all Lunch Money alternatives →
Importaciones, presupuestos por sobres e informes en tu disco; el seguimiento de inversiones es básico.
the catchActual is excellent for envelope budgeting but materially thinner than Quicken Classic for investments, tax reports, loan and bill management, and traditional personal-finance reporting.
the verdict →all Quicken Classic Deluxe alternatives →
Presupuesto por sobres, importaciones de CSV y reglas en tu propio disco; la sincronización bancaria es opcional, no es quien manda.
the verdict →
Datos de cuentas importados, presupuestos, reglas e informes en tu disco; las listas de seguimiento se convierten en categorías y programaciones.
the catchActual's schedules and categories can imitate watchlists, but it lacks Simplifi's turnkey bank aggregation, recurring detection, spending-plan presentation, and managed mobile sync.
the verdict →all Quicken Simplifi alternatives →last updated 2026-08-11 · up to $696/yr replaced · no votes, no pay-to-list
