Actual Budget
Windmill
| Feature | Actual Budget | Windmill |
|---|---|---|
| Pricing | Free / from $0/mo | Free / from $10/mo |
| Free Plan | ✓ Yes | ✓ Yes |
| Rating | 4.5 / 5 | 4.4 / 5 |
| Best For | budget-conscious-individuals, self-hosters, ynab-migrants, privacy-focused-budgeters | developers, devops-teams, internal-tools, data-pipelines |
| Founded | 2019 | 2022 |
| Envelope Budgeting | ✓ | ✗ |
| Bank Sync | ✓ | ✗ |
| Reports | ✓ | ✗ |
| Goal Tracking | ✓ | ✗ |
| Rules | ✓ | ✗ |
| Scheduled Transactions | ✓ | ✗ |
| Self Hostable | ✓ | ✓ |
| Workflow Editor | ✗ | ✓ |
| Script To Ui | ✗ | ✓ |
| Scheduling | ✗ | ✓ |
| Approval Flows | ✗ | ✓ |
| Multi Language | ✗ | ✓ |
| Audit Logs | ✗ | ✓ |
✓ 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
✓ Windmill Pros
- Open-source and self-hostable
- Supports Python, TypeScript, Go, Bash, SQL natively
- Auto-generates UI from script parameters
- Excellent scheduling and workflow orchestration
✗ Windmill Cons
- Smaller community than Zapier/n8n
- Self-hosting requires infrastructure knowledge
- Less polished documentation for beginners
The Verdict
Actual Budget is built for budget conscious individuals and self hosters, with a focus on envelope-budgeting and bank-sync. Windmill targets developers and devops teams and leads with workflow-editor and script-to-ui.
On pricing, Actual Budget is the clear winner for budget-conscious users — starting at $0/mo compared to $10/mo for Windmill. That $10/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.