Compare / Actual Budget vs Cleo AI
Actual Budget vs Cleo AI
Two records, side by side. Cleo AI ships 2 things Actual Budget does not, Actual Budget ships 0 Cleo AI does not, 5 attributes are the same, and 57 cannot be compared because one side is Unknown.
Actual Budget: FreeCleo AI: $5.99/month or $134.99/yearActual Budget: 38 of 71 recordedCleo AI: 19 of 71 recorded
Where they differ
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| Attribute | Actual Budgetchecked · 2026-09-04 |  Cleo AIchecked · 2026-09-10 |
|---|---|---|
| Planning | ||
| Goal tracking | No | Yes |
| Insight | ||
| Credit scores | No | Yes |
All 71 attributes
| Attribute | Actual Budgetchecked · 2026-09-04 | Cleo AIchecked · 2026-09-10 |
|---|---|---|
| Cost | ||
| Free tier | Yes | Yes |
| Price | Free (Open source, self-hosted.) | $5.99/month or $134.99/year |
| Lifetime purchase | ? | ? |
| Connections | ||
| Account aggregation | Yes | Yes |
| Connectors | SimpleFIN · GoCardless · Enable Banking · Akahu · Pluggy | Plaid |
| Refresh more than daily | No | ? |
| Manual accounts | Yes | ? |
| Countries | US · CA · GB · NZ · BR | US · GB |
| Multi-currency | ? | ? |
| Crypto and digital assets | ? | ? |
| Transactions | ||
| Edit transactions | Yes | Yes |
| Create manual transactions | Yes | ? |
| Rules engine | Yes | ? |
| Mass edit | Yes | ? |
| Split transactions | Yes | ? |
| History import | Yes | ? |
| Length of history | ? | Months |
| Export | Yes | ? |
| Import formats | ? | ? |
| Nested categories | ? | ? |
| Custom categories | Yes | ? |
| Tags | ? | ? |
| Receipt attachments | ? | ? |
| Planning | ||
| Budgeting | Yes | Yes |
| Envelope budgeting | Yes | ? |
| Zero-based budgeting | ? | ? |
| Rollover budgeting | Yes | ? |
| Recurring transactions | Yes | Yes |
| Bills | ? | ? |
| Bill negotiation | No | ? |
| Goal tracking | No | Yes |
| Debt payoff planning | ? | Yes |
| Cash-flow forecasting | ? | ? |
| Scenario planning | ? | ? |
| Retirement planning | Yes | ? |
| Subscription tracking | ? | ? |
| Subscription cancellation | No | ? |
| Automated transfers | ? | Yes |
| Calendar view | Yes | ? |
| Wealth | ||
| Net worth | Yes | ? |
| Balance history import | Yes | ? |
| Investment tracking | Yes | ? |
| Investment transactions | Yes | ? |
| Real estate | ? | ? |
| Investment fee analysis | ? | ? |
| Insight | ||
| Reports | Yes | ? |
| Trends | No | ? |
| Credit scores | No | Yes |
| Alerts | ? | ? |
| Assistance | ||
| AI chat | ? | Yes |
| AI categorization | ? | Yes |
| Sharing | ||
| Partner or household | No | ? |
| Adviser access | ? | ? |
| Business or rental separation | ? | ? |
| Platforms | ||
| Interfaces | Web · iOS · Android · Desktop | iOS · Android |
| Full mobile app | ? | Yes |
| Home-screen widgets | ? | ? |
| Customizable dashboard | Yes | ? |
| Offline access | Yes | ? |
| Trust | ||
| SOC 2 | ? | ? |
| 2FA / MFA | ? | ? |
| Sells or shares your data | ? | Yes |
| Read-only bank connections | ? | Yes |
| Data held by | You | ? |
| Self-hosting | Yes | ? |
| Open source | Yes | ? |
| Extending | ||
| Public API | ? | ? |
| Spreadsheet sync | ? | ? |
| Webhooks | ? | ? |
| Tax export | ? | ? |
| Tax filing | ? | ? |