Actual Budget
SeaTable
| Feature | Actual Budget | SeaTable |
|---|---|---|
| Pricing | Free / from $0/mo | Free / from $7/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-conscious-teams, european-companies, self-hosters, research-teams |
| Founded | 2019 | 2020 |
| Envelope Budgeting | ✓ | ✗ |
| Bank Sync | ✓ | ✗ |
| Reports | ✓ | ✗ |
| Goal Tracking | ✓ | ✗ |
| Rules | ✓ | ✗ |
| Scheduled Transactions | ✓ | ✗ |
| Self Hostable | ✓ | ✗ |
| Spreadsheet Interface | ✗ | ✓ |
| Python Scripting | ✗ | ✓ |
| Forms | ✗ | ✓ |
| Statistics | ✗ | ✓ |
| Plugins | ✗ | ✓ |
| Self Hosting | ✗ | ✓ |
✓ 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
✓ SeaTable Pros
- Self-hostable with Docker
- Python scripting for automation
- GDPR-compliant European hosting
- Flexible column types including files
✗ SeaTable Cons
- Smaller community than Airtable
- Plugin ecosystem still growing
- Mobile experience is basic
The Verdict
Actual Budget is built for budget conscious individuals and self hosters, with a focus on envelope-budgeting and bank-sync. SeaTable targets privacy conscious teams and european companies and leads with spreadsheet-interface and python-scripting.
On pricing, Actual Budget is the clear winner for budget-conscious users — starting at $0/mo compared to $7/mo for SeaTable. That $7/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.
Feature-wise, Actual Budget offers broader built-in capabilities (7 features vs 6), while SeaTable takes a more focused approach — which can mean a simpler, faster onboarding experience.
Both tools are a solid fit for self hosters — in those cases, the decision often comes down to workflow style and how your team prefers to organize work.
Bottom line: Actual Budget has a slight overall edge — but if self-hostable with docker matters most to you, SeaTable may still be the right call.