Actual Budget
Saleor
| Feature | Actual Budget | Saleor |
|---|---|---|
| Pricing | Free / from $0/mo | Free / from $300/mo |
| Free Plan | ✓ Yes | ✓ Yes |
| Rating | 4.5 / 5 | 4.2 / 5 |
| Best For | budget-conscious-individuals, self-hosters, ynab-migrants, privacy-focused-budgeters | developer-teams, enterprise-ecommerce, multi-channel-retailers, graphql-enthusiasts |
| Founded | 2019 | 2018 |
| Envelope Budgeting | ✓ | ✗ |
| Bank Sync | ✓ | ✗ |
| Reports | ✓ | ✗ |
| Goal Tracking | ✓ | ✗ |
| Rules | ✓ | ✗ |
| Scheduled Transactions | ✓ | ✗ |
| Self Hostable | ✓ | ✗ |
| Graphql Api | ✗ | ✓ |
| Multi Channel | ✗ | ✓ |
| Dashboard | ✗ | ✓ |
| Webhooks | ✗ | ✓ |
| Apps System | ✗ | ✓ |
| Warehouse Management | ✗ | ✓ |
| Promotions 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
✓ Saleor Pros
- GraphQL API-first architecture for modern frontends
- Enterprise features in free open-source edition
- Strong multi-channel commerce capabilities
- Built-in dashboard with excellent UX
✗ Saleor Cons
- Cloud hosting is expensive for startups
- Smaller community than Shopify/WooCommerce
- Self-hosting requires Python/Django expertise
The Verdict
Actual Budget is built for budget conscious individuals and self hosters, with a focus on envelope-budgeting and bank-sync. Saleor targets developer teams and enterprise ecommerce and leads with graphql-api and multi-channel.
On pricing, Actual Budget is the clear winner for budget-conscious users — starting at $0/mo compared to $300/mo for Saleor. That $300/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.
Bottom line: Actual Budget has a slight overall edge — but if graphql api-first architecture for modern frontends matters most to you, Saleor may still be the right call.