Actual Budget
Penpot
| Feature | Actual Budget | Penpot |
|---|---|---|
| Pricing | Free / from $0/mo | Free / from $8/mo |
| Free Plan | ✓ Yes | ✓ Yes |
| Rating | 4.5 / 5 | 4.3 / 5 |
| Best For | budget-conscious-individuals, self-hosters, ynab-migrants, privacy-focused-budgeters | open-source-teams, privacy-focused-designers, developers, educational-institutions |
| Founded | 2019 | 2015 |
| Envelope Budgeting | ✓ | ✗ |
| Bank Sync | ✓ | ✗ |
| Reports | ✓ | ✗ |
| Goal Tracking | ✓ | ✗ |
| Rules | ✓ | ✗ |
| Scheduled Transactions | ✓ | ✗ |
| Self Hostable | ✓ | ✓ |
| Vector Editing | ✗ | ✓ |
| Prototyping | ✗ | ✓ |
| Components | ✗ | ✓ |
| Design Tokens | ✗ | ✓ |
| Real Time Collaboration | ✗ | ✓ |
| Css Output | ✗ | ✓ |
✓ 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
✓ Penpot Pros
- Open-source and self-hostable for free
- CSS-based design outputs production-ready code
- Real-time collaboration (Figma-like experience)
- SVG-native (no proprietary formats)
✗ Penpot Cons
- Performance slower than Figma on complex files
- Smaller plugin and community ecosystem
- Missing some advanced design features
The Verdict
Actual Budget is built for budget conscious individuals and self hosters, with a focus on envelope-budgeting and bank-sync. Penpot targets open source teams and privacy focused designers and leads with vector-editing and prototyping.
On pricing, Actual Budget is the clear winner for budget-conscious users — starting at $0/mo compared to $8/mo for Penpot. That $8/mo difference adds up quickly for growing teams.
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.