Actual Budget
Bugzilla
| Feature | Actual Budget | Bugzilla |
|---|---|---|
| Pricing | Free / from $0/mo | Free only |
| Free Plan | ✓ Yes | ✓ Yes |
| Rating | 4.5 / 5 | 3.7 / 5 |
| Best For | budget-conscious-individuals, self-hosters, ynab-migrants, privacy-focused-budgeters | open-source-projects, enterprise-it, developers, large-organizations |
| Founded | 2019 | 1998 |
| Envelope Budgeting | ✓ | ✗ |
| Bank Sync | ✓ | ✗ |
| Reports | ✓ | ✗ |
| Goal Tracking | ✓ | ✗ |
| Rules | ✓ | ✗ |
| Scheduled Transactions | ✓ | ✗ |
| Self Hostable | ✓ | ✗ |
| Bug Tracking | ✗ | ✓ |
| Advanced Search | ✗ | ✓ |
| Email Integration | ✗ | ✓ |
| Custom Workflows | ✗ | ✓ |
| Patch Management | ✗ | ✓ |
| Reporting | ✗ | ✓ |
✓ Actual Budget Pros
- Open-source with no subscription fees
- Local-first with optional sync
- Beautiful and fast interface
- Bank sync via SimpleFIN/GoCardless
✗ Actual Budget Cons
- Self-hosting required for sync features
- Smaller community than YNAB
- Mobile experience less polished than native apps
✓ Bugzilla Pros
- Completely free
- Battle-tested
- Advanced search
- Highly customizable
✗ Bugzilla Cons
- Very dated interface
- Difficult to set up
- No modern UX
The Verdict
Actual Budget is built for budget conscious individuals and self hosters, with a focus on envelope-budgeting and bank-sync. Bugzilla targets open source projects and enterprise it and leads with bug-tracking and advanced-search.
Bugzilla uses custom enterprise pricing, while Actual Budget starts at $0/mo — a tangible advantage for teams with a fixed budget.
Both offer free plans, so you can test each with your real workflow before committing to a subscription.
Actual Budget edges out on user ratings (4.5 vs 3.7). While both are well-regarded, that gap reflects real differences in user satisfaction worth considering.
Feature-wise, Actual Budget offers broader built-in capabilities (7 features vs 6), while Bugzilla takes a more focused approach — which can mean a simpler, faster onboarding experience.
Bottom line: Actual Budget has a slight overall edge — but if completely free matters most to you, Bugzilla may still be the right call.