Actual Budget
Harbor
| Feature | Actual Budget | Harbor |
|---|---|---|
| Pricing | Free / from $0/mo | Free only |
| Free Plan | ✓ Yes | ✓ Yes |
| Rating | 4.5 / 5 | 4.3 / 5 |
| Best For | budget-conscious-individuals, self-hosters, ynab-migrants, privacy-focused-budgeters | enterprise-devops, container-teams, security-teams, regulated-industries |
| Founded | 2019 | 2016 |
| Envelope Budgeting | ✓ | ✗ |
| Bank Sync | ✓ | ✗ |
| Reports | ✓ | ✗ |
| Goal Tracking | ✓ | ✗ |
| Rules | ✓ | ✗ |
| Scheduled Transactions | ✓ | ✗ |
| Self Hostable | ✓ | ✗ |
| Container Registry | ✗ | ✓ |
| Vulnerability Scanning | ✗ | ✓ |
| Rbac | ✗ | ✓ |
| Image Signing | ✗ | ✓ |
| Replication | ✗ | ✓ |
| Garbage Collection | ✗ | ✓ |
| Audit Logs | ✗ | ✓ |
✓ 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
✓ Harbor Pros
- Completely free and CNCF graduated project
- Built-in vulnerability scanning (Trivy integration)
- Image signing and policy enforcement
- Multi-registry replication for geo-distribution
✗ Harbor Cons
- Requires self-hosting and infrastructure management
- UI is functional but not modern
- Initial setup complexity for production
The Verdict
Actual Budget is built for budget conscious individuals and self hosters, with a focus on envelope-budgeting and bank-sync. Harbor targets enterprise devops and container teams and leads with container-registry and vulnerability-scanning.
Harbor 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.
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.