Commerce · alternatives · 2026

24 alternatives to Actual

Track your money, save money.

Below are 24 products that do a similar job, ranked by how close each is in meaning and then by launch-day votes. Prices are shown for the 1 we have checked on their own sites, 1 of them free or with a free tier. Actual launched in 2020; newer entries below may have overtaken it.

1
Actual Budgetfree▲278
Robust and simple budgeting that works
2019 · actualbudget.org · its alternatives →
2
YNAB (You Need a Budget)▲208
Gain control of your money
2015 · ynab.com · its alternatives →
3
Ray▲298
I've been using this daily for 4 months and figured others might find it useful. This is my first open source project so would love any feedback. Ray connects to your bank via Plaid, stores everything in an encrypted local SQLite database, and lets you ask questions about your finances in natural language. No cloud, no account, your data is stored on your machine. Before anything reaches the LLM, all PII is stripped — your name, companies, transaction details are redacted and replaced with tokens, then rehydrated locally in the response. The AI never sees who you are.
Apr 2026 · rayfinance.app · its alternatives →
4
FinGrow Finance▲123
Your new go-to for managing money
2024 · apps.apple.com · its alternatives →
5
Profly▲79
The effortless finance tracker for busy people
2022 · its alternatives →
6
Finance Budget Expense Tracker▲135
Track expenses, budget, manage bills, and save money
2024 · play.google.com · its alternatives →
7
The Simple Finance Tracker▲185
Effortless money management
2023 · felixdigistash.gumroad.com · its alternatives →
8
Rich Finance Tracker▲103
Automate your finance tracking in Notion
2022 · inotion.gumroad.com · its alternatives →
9
Slog - Budget & Money Tracker▲78
See all your money in one place
2023 · its alternatives →
10
Nudge | Automated Financial Guidance▲82
Serving Individuals, Startups, and Financial Institutions
2023 · its alternatives →
11
MoneyThings - Finance Tracker▲72
Record everything about money in one place.
2021 · apps.apple.com · its alternatives →
12
Financial - Manager & Tracker▲63
A better way to manage your income, expenses & debts.
2024 · apps.apple.com · its alternatives →
13
DuckTail▲65
Finance manager app that helps you save your income
2022 · play.google.com · its alternatives →
14
Money OS▲36
Track and manage all your finances from one place
2023 · its alternatives →
15
Finansense▲17
Track your money. Smarter, easier
2025 · finansense.id · its alternatives →
16
Notion Finance OS▲21
Take control of your money
2025 · nikk07.gumroad.com · its alternatives →
17
Finance Tracker OS▲21
Manage all your finances simply in one place.
2024 · its alternatives →
18
Financegarden - A Personal Budgetplanner▲12
A beautiful, intuitive finance tracker that grows with you
2024 · financegarden.netlify.app · its alternatives →
19
How I Spend My Money▲25
Track and control your money with just a picture
2025 · howispendmy.money · its alternatives →
20
MoneyDaddy▲8
Your clever finance coach: Track, learn, get money savvy!
Oct 2025 · moneydaddy-app.com · its alternatives →
21
My Wallet▲13
Smart personal finance tracker for your daily life
Oct 2025 · apps.apple.com · its alternatives →
22
Nifty Finance▲11
See the whole picture.
2025 · niftyfinance.com · its alternatives →
23
Balance▲7
Personal finance tool with bank syncing
2017 · apps.apple.com · its alternatives →
24
Track-Money.Space▲6
Take Control of Your Finances in Minutes
2025 · its alternatives →

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Ranked by how close each launch is in meaning, then by votes. Prices were read from each product’s own site when checked and can change. Refine with your own description →