Actual Budget
Grafana
| Feature | Actual Budget | Grafana |
|---|---|---|
| Pricing | Free / from $0/mo | Free / from $29/mo |
| Free Plan | ✓ Yes | ✓ Yes |
| Rating | 4.5 / 5 | 4.6 / 5 |
| Best For | budget-conscious-individuals, self-hosters, ynab-migrants, privacy-focused-budgeters | devops-teams, sre-teams, data-engineers, iot-monitoring |
| Founded | 2019 | 2014 |
| Envelope Budgeting | ✓ | ✗ |
| Bank Sync | ✓ | ✗ |
| Reports | ✓ | ✗ |
| Goal Tracking | ✓ | ✗ |
| Rules | ✓ | ✗ |
| Scheduled Transactions | ✓ | ✗ |
| Self Hostable | ✓ | ✗ |
| Dashboards | ✗ | ✓ |
| Data Sources | ✗ | ✓ |
| Alerting | ✗ | ✓ |
| Annotations | ✗ | ✓ |
| Plugins | ✗ | ✓ |
| Loki Logs | ✗ | ✓ |
| Tempo Traces | ✗ | ✓ |
| Mimir Metrics | ✗ | ✓ |
✓ 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
✓ Grafana Pros
- Connects to virtually any data source
- Beautiful and highly customizable dashboards
- Open-source with massive community
- Grafana Cloud includes Loki, Tempo, and Mimir
- Alerting across all data sources
✗ Grafana Cons
- Self-hosting requires DevOps expertise
- Dashboard creation has a learning curve
- Plugin quality varies
The Verdict
Actual Budget is built for budget conscious individuals and self hosters, with a focus on envelope-budgeting and bank-sync. Grafana targets devops teams and sre teams and leads with dashboards and data-sources.
On pricing, Actual Budget is the clear winner for budget-conscious users — starting at $0/mo compared to $29/mo for Grafana. That $29/mo difference adds up quickly for growing teams.
Both offer free plans, so you can test each with your real workflow before committing to a subscription.
Feature-wise, Grafana offers broader built-in capabilities (8 features vs 7), while Actual Budget takes a more focused approach — which can mean a simpler, faster onboarding experience.
This is a genuinely close comparison. If you can, sign up for both free trials (where available) and run a one-week test with your actual team tasks before deciding.