Actual Budget
Medusa
| Feature | Actual Budget | Medusa |
|---|---|---|
| Pricing | Free / from $0/mo | Free only |
| Free Plan | ✓ Yes | ✓ Yes |
| Rating | 4.5 / 5 | 4.4 / 5 |
| Best For | budget-conscious-individuals, self-hosters, ynab-migrants, privacy-focused-budgeters | developer-teams, custom-commerce, headless-commerce, multi-region-stores |
| Founded | 2019 | 2021 |
| Envelope Budgeting | ✓ | ✗ |
| Bank Sync | ✓ | ✗ |
| Reports | ✓ | ✗ |
| Goal Tracking | ✓ | ✗ |
| Rules | ✓ | ✗ |
| Scheduled Transactions | ✓ | ✗ |
| Self Hostable | ✓ | ✗ |
| Headless Api | ✗ | ✓ |
| Multi Region | ✗ | ✓ |
| Plugins | ✗ | ✓ |
| Admin Dashboard | ✗ | ✓ |
| Payment Providers | ✗ | ✓ |
| Fulfillment | ✗ | ✓ |
| Tax Engine | ✗ | ✓ |
✓ 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
✓ Medusa Pros
- Fully open-source and developer-friendly
- Headless architecture for any frontend framework
- Built-in multi-region and multi-currency support
- Modular design allows replacing any component
✗ Medusa Cons
- Requires development resources to set up
- Newer platform with smaller ecosystem
- No visual store builder for non-developers
The Verdict
Actual Budget is built for budget conscious individuals and self hosters, with a focus on envelope-budgeting and bank-sync. Medusa targets developer teams and custom commerce and leads with headless-api and multi-region.
Medusa 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.