ActualBudgeting without a bank connection: envelope method, or simply income and spending at a glance. No access to your account, no subscription.
Actual instead of Goodbudget
The 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.
about €1.67 / month All the pricing details
What you get out of it
As many envelopes and accounts as you need- Transactions by import, not only by hand
- Phone and computer stay in sync through your instance
Goodbudget and Podless
| Goodbudget and Podless | Goodbudget | On Podless |
|---|---|---|
| Where the data lives | GoodbudgetOn the provider’s servers | On PodlessIn your own instance in the EU |
| Source code | GoodbudgetNot open to read | On PodlessOpen, you can read what runs |
| Ads and profiling | GoodbudgetPer the provider’s terms | On PodlessNone |
| Your own domain | GoodbudgetUsually not offered | On PodlessIncluded, certificate too |
| Getting out again | GoodbudgetAs far as the provider allows | On PodlessSFTP, database, backups to your storage |
| If it gets shut down | GoodbudgetYou have to move | On PodlessYou decide when you leave |
Other swaps
YNAB ActualMint ActualMint shut down in March 2024. Here you keep track of your money, without a bank connection, and your financial data stays with you.
Finanzguru ActualIncome, spending and fixed costs at a glance, without an app accessing your bank account. You fetch the transactions from online banking yourself, and the analysis stays with you.