Actual Budget
Microsoft Clarity
| Feature | Actual Budget | Microsoft Clarity |
|---|---|---|
| Pricing | Free / from $0/mo | Free only |
| Free Plan | ✓ Yes | ✓ Yes |
| Rating | 4.5 / 5 | 4.5 / 5 |
| Best For | budget-conscious-individuals, self-hosters, ynab-migrants, privacy-focused-budgeters | small-businesses, startups, bloggers, budget-conscious-teams |
| Founded | 2019 | 2020 |
| Envelope Budgeting | ✓ | ✗ |
| Bank Sync | ✓ | ✗ |
| Reports | ✓ | ✗ |
| Goal Tracking | ✓ | ✗ |
| Rules | ✓ | ✗ |
| Scheduled Transactions | ✓ | ✗ |
| Self Hostable | ✓ | ✗ |
| Session Recordings | ✗ | ✓ |
| Heatmaps | ✗ | ✓ |
| Scroll Maps | ✗ | ✓ |
| Rage Click Detection | ✗ | ✓ |
| Ai Copilot | ✗ | ✓ |
| Google Analytics Integration | ✗ | ✓ |
| Dead Click Detection | ✗ | ✓ |
✓ 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
✓ Microsoft Clarity Pros
- Completely free with unlimited traffic and recordings
- AI-powered Copilot for asking questions about data
- No data sampling (records every session)
- GDPR-compliant with built-in privacy masking
✗ Microsoft Clarity Cons
- Less advanced analytics than paid alternatives
- No A/B testing or experimentation features
- Limited integration ecosystem
The Verdict
Actual Budget is built for budget conscious individuals and self hosters, with a focus on envelope-budgeting and bank-sync. Microsoft Clarity targets small businesses and startups and leads with session-recordings and heatmaps.
Microsoft Clarity 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.