Compare / Actual Budget vs Emma
Actual Budget vs Emma
Two records, side by side. Emma ships 6 things Actual Budget does not, Actual Budget ships 0 Emma does not, 18 attributes are the same, and 40 cannot be compared because one side is Unknown.
Actual Budget: FreeEmma: $4.99/month or $41.99/yearActual Budget: 38 of 71 recordedEmma: 41 of 71 recorded
Where they differ
Yes ships todayNo not available? nobody has told us — click one to fill it in
| Attribute | Actual Budgetchecked · 2026-09-04 |  Emmachecked · None |
|---|---|---|
| Connections | ||
| Refresh more than daily | No | Yes |
| Planning | ||
| Goal tracking | No | Yes |
| Subscription cancellation | No | Yes |
| Insight | ||
| Trends | No | Yes |
| Credit scores | No | Yes |
| Sharing | ||
| Partner or household | No | Yes |
All 71 attributes
| Attribute | Actual Budgetchecked · 2026-09-04 | Emmachecked · None |
|---|---|---|
| Cost | ||
| Free tier | Yes | Yes |
| Price | Free (Open source, self-hosted.) | $4.99/month or $41.99/year (Free tier capped at 2 bank logins) |
| Lifetime purchase | ? | ? |
| Connections | ||
| Account aggregation | Yes | Yes |
| Connectors | SimpleFIN · GoCardless · Enable Banking · Akahu · Pluggy | TrueLayer |
| Refresh more than daily | No | Yes |
| Manual accounts | Yes | Yes |
| Countries | US · CA · GB · NZ · BR | GB · US · CA |
| Multi-currency | ? | ? |
| Crypto and digital assets | ? | Yes |
| Transactions | ||
| Edit transactions | Yes | Yes |
| Create manual transactions | Yes | Yes |
| Rules engine | Yes | Yes |
| Mass edit | Yes | Yes |
| Split transactions | Yes | Yes |
| History import | Yes | Yes |
| Length of history | ? | Months |
| Export | Yes | Yes |
| Import formats | ? | CSV |
| Nested categories | ? | Yes |
| Custom categories | Yes | Yes |
| Tags | ? | Yes |
| Receipt attachments | ? | ? |
| Planning | ||
| Budgeting | Yes | Yes |
| Envelope budgeting | Yes | ? |
| Zero-based budgeting | ? | ? |
| Rollover budgeting | Yes | Yes |
| Recurring transactions | Yes | Yes |
| Bills | ? | Yes |
| Bill negotiation | No | ? |
| Goal tracking | No | Yes |
| Debt payoff planning | ? | ? |
| Cash-flow forecasting | ? | ? |
| Scenario planning | ? | ? |
| Retirement planning | Yes | ? |
| Subscription tracking | ? | Yes |
| Subscription cancellation | No | Yes |
| Automated transfers | ? | ? |
| Calendar view | Yes | ? |
| Wealth | ||
| Net worth | Yes | Yes |
| Balance history import | Yes | ? |
| Investment tracking | Yes | Yes |
| Investment transactions | Yes | ? |
| Real estate | ? | Yes |
| Investment fee analysis | ? | ? |
| Insight | ||
| Reports | Yes | Yes |
| Trends | No | Yes |
| Credit scores | No | Yes |
| Alerts | ? | Yes |
| Assistance | ||
| AI chat | ? | ? |
| AI categorization | ? | ? |
| Sharing | ||
| Partner or household | No | Yes |
| Adviser access | ? | ? |
| Business or rental separation | ? | Yes |
| Platforms | ||
| Interfaces | Web · iOS · Android · Desktop | Web · iOS · Android |
| Full mobile app | ? | Yes |
| Home-screen widgets | ? | ? |
| Customizable dashboard | Yes | Yes |
| Offline access | Yes | ? |
| Trust | ||
| SOC 2 | ? | ? |
| 2FA / MFA | ? | ? |
| Sells or shares your data | ? | ? |
| Read-only bank connections | ? | Yes |
| Data held by | You | ? |
| Self-hosting | Yes | ? |
| Open source | Yes | ? |
| Extending | ||
| Public API | ? | ? |
| Spreadsheet sync | ? | Yes |
| Webhooks | ? | ? |
| Tax export | ? | ? |
| Tax filing | ? | ? |