Actual Budget
Umami
| Feature | Actual Budget | Umami |
|---|---|---|
| Pricing | Free / from $0/mo | Free / from $9/mo |
| Free Plan | ✓ Yes | ✓ Yes |
| Rating | 4.5 / 5 | 4.5 / 5 |
| Best For | budget-conscious-individuals, self-hosters, ynab-migrants, privacy-focused-budgeters | indie-developers, privacy-focused-sites, bloggers, small-businesses |
| Founded | 2019 | 2020 |
| Envelope Budgeting | ✓ | ✗ |
| Bank Sync | ✓ | ✗ |
| Reports | ✓ | ✗ |
| Goal Tracking | ✓ | ✗ |
| Rules | ✓ | ✗ |
| Scheduled Transactions | ✓ | ✗ |
| Self Hostable | ✓ | ✗ |
| Page Views | ✗ | ✓ |
| Custom Events | ✗ | ✓ |
| Realtime Dashboard | ✗ | ✓ |
| Utm Tracking | ✗ | ✓ |
| Multi Site | ✗ | ✓ |
| Api | ✗ | ✓ |
| Teams | ✗ | ✓ |
✓ 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
✓ Umami Pros
- Completely open-source and self-hostable for free
- Beautiful, clean dashboard interface
- No cookies required (GDPR/CCPA compliant by default)
- Lightweight script (under 2KB) does not slow sites
✗ Umami Cons
- Limited advanced analytics features
- No conversion funnel or cohort analysis
- Self-hosting requires database management
The Verdict
Actual Budget is built for budget conscious individuals and self hosters, with a focus on envelope-budgeting and bank-sync. Umami targets indie developers and privacy focused sites and leads with page-views and custom-events.
On pricing, Actual Budget is the clear winner for budget-conscious users — starting at $0/mo compared to $9/mo for Umami. That $9/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.