ActualZero-based budgeting: every euro gets a job before the month begins. Actual does exactly that from the ground up, without a subscription or access to your account.
Actual instead of Copilot Money
A tidy budgeting app with categories, budgets and trends that runs in the browser on any device. No bank connection and no subscription, in your own instance.
about €1.67 / month All the pricing details
What you get out of it
In the browser on any device, synced through your instance- Transactions come in as CSV, QIF or OFX
- Your financial data lives in your database, not with a service
Copilot Money and Podless
| Copilot Money and Podless | Copilot Money | On Podless |
|---|---|---|
| Where the data lives | Copilot MoneyOn the provider’s servers | On PodlessIn your own instance in the EU |
| Source code | Copilot MoneyNot open to read | On PodlessOpen, you can read what runs |
| Ads and profiling | Copilot MoneyPer the provider’s terms | On PodlessNone |
| Your own domain | Copilot MoneyUsually not offered | On PodlessIncluded, certificate too |
| Getting out again | Copilot MoneyAs far as the provider allows | On PodlessSFTP, database, backups to your storage |
| If it gets shut down | Copilot MoneyYou have to move | On PodlessYou decide when you leave |
Other swaps
EveryDollar ActualGoodbudget ActualThe envelope method, digital: split money into envelopes and see what is left in each. With no cap on the number of envelopes, in your own instance.
YNAB ActualBudgeting without a bank connection: envelope method, or simply income and spending at a glance. No access to your account, no subscription.