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.
Actual instead of EveryDollar
Zero-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.
about €1.67 / month All the pricing details
What you get out of it
Money is assigned before it is spent- What is left rolls over into the next month
- No subscription, no bank connection, everything in your instance
EveryDollar and Podless
| EveryDollar and Podless | EveryDollar | On Podless |
|---|---|---|
| Where the data lives | EveryDollarOn the provider’s servers | On PodlessIn your own instance in the EU |
| Source code | EveryDollarNot open to read | On PodlessOpen, you can read what runs |
| Ads and profiling | EveryDollarPer the provider’s terms | On PodlessNone |
| Your own domain | EveryDollarUsually not offered | On PodlessIncluded, certificate too |
| Getting out again | EveryDollarAs far as the provider allows | On PodlessSFTP, database, backups to your storage |
| If it gets shut down | EveryDollarYou have to move | On PodlessYou decide when you leave |
Other swaps
Goodbudget ActualYNAB ActualBudgeting without a bank connection: envelope method, or simply income and spending at a glance. No access to your account, no subscription.
Mint ActualMint shut down in March 2024. Here you keep track of your money, without a bank connection, and your financial data stays with you.