ActualA 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.
Actual instead of Monarch Money
Budgeting with categories, goals and reports, without a subscription and without a bank connection. You load transactions from online banking, and the data lives in your own instance.
about €1.67 / month All the pricing details
What you get out of it
You pay for the size of the app, not for a subscription with tiers- Money is assigned up front, not just sorted afterwards
- Phone and computer sync through your instance
Monarch Money and Podless
| Monarch Money and Podless | Monarch Money | On Podless |
|---|---|---|
| Where the data lives | Monarch MoneyOn the provider’s servers | On PodlessIn your own instance in the EU |
| Source code | Monarch MoneyNot open to read | On PodlessOpen, you can read what runs |
| Ads and profiling | Monarch MoneyPer the provider’s terms | On PodlessNone |
| Your own domain | Monarch MoneyUsually not offered | On PodlessIncluded, certificate too |
| Getting out again | Monarch MoneyAs far as the provider allows | On PodlessSFTP, database, backups to your storage |
| If it gets shut down | Monarch MoneyYou have to move | On PodlessYou decide when you leave |
Other swaps
Copilot Money ActualEveryDollar 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.
Goodbudget 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.