Actual Budget
Internxt
| Feature | Actual Budget | Internxt |
|---|---|---|
| Pricing | Free / from $0/mo | Free / from $4.49/mo |
| Free Plan | ✓ Yes | ✓ Yes |
| Rating | 4.5 / 5 | 4.1 / 5 |
| Best For | budget-conscious-individuals, self-hosters, ynab-migrants, privacy-focused-budgeters | privacy-advocates, european-users, open-source-supporters, individuals |
| Founded | 2019 | 2020 |
| Envelope Budgeting | ✓ | ✗ |
| Bank Sync | ✓ | ✗ |
| Reports | ✓ | ✗ |
| Goal Tracking | ✓ | ✗ |
| Rules | ✓ | ✗ |
| Scheduled Transactions | ✓ | ✗ |
| Self Hostable | ✓ | ✗ |
| Encrypted Storage | ✗ | ✓ |
| File Sharing | ✗ | ✓ |
| Photo Backup | ✗ | ✓ |
| Secure Send | ✗ | ✓ |
| Password Checker | ✗ | ✓ |
| Open Source | ✗ | ✓ |
✓ 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
✓ Internxt Pros
- Open-source and auditable
- Zero-knowledge end-to-end encryption
- EU-based (GDPR native)
- Affordable pricing for large storage
✗ Internxt Cons
- Smaller ecosystem than Google/Dropbox
- Desktop app less polished
- Limited third-party integrations
The Verdict
Actual Budget is built for budget conscious individuals and self hosters, with a focus on envelope-budgeting and bank-sync. Internxt targets privacy advocates and european users and leads with encrypted-storage and file-sharing.
Pricing is close: Actual Budget starts at $0/mo versus $4.49/mo for Internxt — not a deciding factor on its own.
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 4.1). 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 Internxt takes a more focused approach — which can mean a simpler, faster onboarding experience.
Bottom line: Actual Budget has a slight overall edge — but if open-source and auditable matters most to you, Internxt may still be the right call.