Actual Budget
SuperTokens
| Feature | Actual Budget | SuperTokens |
|---|---|---|
| Pricing | Free / from $0/mo | Free / from $0.02/mo |
| Free Plan | ✓ Yes | ✓ Yes |
| Rating | 4.5 / 5 | 4.3 / 5 |
| Best For | budget-conscious-individuals, self-hosters, ynab-migrants, privacy-focused-budgeters | saas-developers, startups, privacy-focused-apps, self-hosters |
| Founded | 2019 | 2019 |
| Envelope Budgeting | ✓ | ✗ |
| Bank Sync | ✓ | ✗ |
| Reports | ✓ | ✗ |
| Goal Tracking | ✓ | ✗ |
| Rules | ✓ | ✗ |
| Scheduled Transactions | ✓ | ✗ |
| Self Hostable | ✓ | ✓ |
| Email Password | ✗ | ✓ |
| Social Login | ✗ | ✓ |
| Passwordless | ✗ | ✓ |
| Mfa | ✗ | ✓ |
| Session Management | ✗ | ✓ |
| Pre Built Ui | ✗ | ✓ |
✓ 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
✓ SuperTokens Pros
- Open-source with free self-hosting
- Pre-built UI components for quick integration
- Session management with anti-CSRF protection
- Multiple auth methods (email, social, passwordless, MFA)
✗ SuperTokens Cons
- Smaller ecosystem than Auth0 or Firebase Auth
- Documentation has gaps for complex setups
- Limited admin dashboard features
The Verdict
Actual Budget is built for budget conscious individuals and self hosters, with a focus on envelope-budgeting and bank-sync. SuperTokens targets saas developers and startups and leads with email-password and social-login.
Both tools come in at similar price points ($0/mo for Actual Budget, $0.02/mo for SuperTokens), so pricing won't make the decision for you.
Both offer free plans, so you can test each with your real workflow before committing to a subscription.
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.
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.