Actual Budget
Joplin
| Feature | Actual Budget | Joplin |
|---|---|---|
| Pricing | Free / from $0/mo | Free / from $2.99/mo |
| Free Plan | ✓ Yes | ✓ Yes |
| Rating | 4.5 / 5 | 4.2 / 5 |
| Best For | budget-conscious-individuals, self-hosters, ynab-migrants, privacy-focused-budgeters | privacy-advocates, developers, linux-users, evernote-migrants |
| Founded | 2019 | 2017 |
| Envelope Budgeting | ✓ | ✗ |
| Bank Sync | ✓ | ✗ |
| Reports | ✓ | ✗ |
| Goal Tracking | ✓ | ✗ |
| Rules | ✓ | ✗ |
| Scheduled Transactions | ✓ | ✗ |
| Self Hostable | ✓ | ✗ |
| Markdown | ✗ | ✓ |
| Encryption | ✗ | ✓ |
| Sync | ✗ | ✓ |
| Web Clipper | ✗ | ✓ |
| Plugins | ✗ | ✓ |
| Notebooks | ✗ | ✓ |
✓ 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
✓ Joplin Pros
- Free and open-source
- End-to-end encryption
- Self-host option
- Import from Evernote
✗ Joplin Cons
- Less polished UI
- Sync requires setup
- Limited collaboration
The Verdict
Actual Budget is built for budget conscious individuals and self hosters, with a focus on envelope-budgeting and bank-sync. Joplin targets privacy advocates and developers and leads with markdown and encryption.
Pricing is close: Actual Budget starts at $0/mo versus $2.99/mo for Joplin — 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.
Feature-wise, Actual Budget offers broader built-in capabilities (7 features vs 6), while Joplin takes a more focused approach — which can mean a simpler, faster onboarding experience.
Bottom line: Actual Budget has a slight overall edge — but if free and open-source matters most to you, Joplin may still be the right call.