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Top 10 Actual Alternatives for Mac, Compared (2026)

Explore 10 alternatives to Actual — vetted by our editors with real user reviews, pricing, and feature comparisons.

10 top Actual alternatives, compared

Quick answer

The Actual alternatives worth knowing first are Mint, Albert and You Need A Budget. Mint earns the top SpotScore (9.8) and a 3.42★ rating. See how all 10 stack up on score, rating, and price below.

Ready to move on from Actual? These 10 personal finance software alternatives are the picks worth testing first. Our ranking leans on SpotScore, which weighs verified satisfaction against market presence, then star ratings and pricing model. Editors check each tool. Start with the table for a fast read, then go section by section below.

ProductSpotScoreRatingPricingBest for
MintTake control of your finances with Mint.9.8★★★☆☆ 3.42(30)FreeFreemium · Quotation Basedteams of all sizes
AlbertMaximize your finances with ease.9.5★★★★ 4.39(3421)Quotation Basedsmall & mid-size businesses
You Need A BudgetManage your money, meet your goals.9.4★★★★★ 4.99(1501)FreeFree Trial · Subscriptionteams of all sizes
GoodbudgetTake control of your finances effortlessly.9.1★★★★★ 5(1)FreeFreemium · Subscriptionteams of all sizes
BuxferTake control of your finances with Buxfer.8.9★★★★ 4.45(32)Subscriptionteams of all sizes
EveryDollarBudgeting made easy for anyone, any income.8.9★★★★ 4(1)Quotation Basedteams of all sizes
MonzoSimplify your banking, take control of your money.8.8★★★★ 4.19(8)FreeFreemium · Subscriptionteams of all sizes
MizaTransform your finances with Miza's powerful technology.7.5★★★★★ 5(1)Quotation Basedsmall & mid-size businesses
Keeper TaxMaximize your savings, minimize your tax stress.★★★★★ 4.75(57)Freefrom $199/yrsmall businesses
Money MinxMaximize your wealth with Money Minx.★★★★★ 5(6)Freefrom $6.41/moteams of all sizes

9.8

SpotScore

Mint - Personal Finance Software

Mint

Take control of your finances with Mint.

Best for: SMB teams · Mid-market · Enterprise

Try for Free

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What is Mint?

Mint is a free, open-source personal finance software that helps users to stay on top of money. An easy way to track expenses, Mint does all the complicated math. Unlike other personal finance apps, Mint doesn't just track balance, it shows how much money is being put into accounts. It also ...

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Mint offers custom pricing plan

9.5

SpotScore

Albert - Personal Finance Software

Albert

Maximize your finances with ease.

Best for: SMB teams · Mid-market

Get Pricing Details

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What is Albert?

Albert is compact but brilliant. It helps personal finance experts manage their finances, reduce fees and monitor performance with ease, put money to work by accurately calculating the ROI of any investment option, and facilitate expenses by planning budget, categorizing expenses, creating ...

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Albert offers custom pricing plan

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9.4

SpotScore

You Need A Budget - Personal Finance Software

You Need A Budget

Manage your money, meet your goals.

Best for: SMB teams · Mid-market · Enterprise

Start Free Trial

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What is You Need A Budget?

You Need A Budget is the software that manages personal finance. It shows how much individuals should be spending every month to stay within the budget goals. With You Need A Budget, user can create budgets for three different categories of expenses: groceries, entertainment, and ...

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Free TrialTry Free →

9.1

SpotScore

Goodbudget - Personal Finance Software

Goodbudget

Take control of your finances effortlessly.

Best for: SMB teams · Mid-market · Enterprise

Try for Free

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What is Goodbudget?

Goodbudget is the personal finance software that helps to manage both income and expenses on a monthly basis. It's streamlined and web-based, so it won't require an installation on computer to use. Goodbudget has several features have found incredibly useful: The Month Viewer provides a quick ...

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8.9

SpotScore

Buxfer - Personal Finance Software

Buxfer

Take control of your finances with Buxfer.

Best for: SMB teams · Mid-market · Enterprise

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What is Buxfer?

Buxfer is personal finance software that tracks income, spending, and savings across accounts. It generates charts and visualizations showing spending patterns and budget progress, and supports monthly calculations to flag upcoming budget problems.

Read more about Buxfer

8.9

SpotScore

EveryDollar - Personal Finance Software

EveryDollar

Budgeting made easy for anyone, any income.

Best for: SMB teams · Mid-market · Enterprise

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What is EveryDollar?

EveryDollar makes it possible to make an informed financial decision for any budget. Simple, intuitive planning provides users with all the data they need to make excellent financial decisions. At the same time, EveryDollar sorts income by category, giving user a complete picture of the money. ...

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EveryDollar offers custom pricing plan

8.8

SpotScore

Monzo

Monzo

Simplify your banking, take control of your money.

Best for: SMB teams · Mid-market · Enterprise

Try for Free

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What is Monzo?

Welcome to Monzo, the revolutionary solution that is simplifying banking with its user-friendly approach. Banking made easy has never been more accurate with Monzo, your all-in-one digital financial companion. Ditch the hassle of traditional banks and their burdensome paperwork and hidden ...

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7.5

SpotScore

Miza - Personal Finance Software

Miza

Transform your finances with Miza's powerful technology.

Best for: SMB teams · Mid-market

Get Pricing Details

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What is Miza?

Transform your personal finance management with Miza: the ultimate mobile budget app. Say goodbye to complicated financial tracking and let Miza take the wheel. With our powerful technology, you'll have a complete overview of your finances and budgeting on autopilot. Simply enter your recurring ...

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Miza offers custom pricing plan

Keeper Tax - New SaaS Software

Keeper Tax

Maximize your savings, minimize your tax stress.

Best for: SMB teams

Start Free Trial

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What is Keeper Tax?

Keeper is automated tax-saving software built specifically for freelancers, independent contractors, and solopreneurs. Track expenses, uncover tax-saving strategies, file personal and business taxes, and get expert tax advice - all in one simple, intuitive platform built for self-employed ...

Read more about Keeper Tax
Free TrialTry Free →·

Keeper Tax offers custom pricing plan

Money Minx - New SaaS Software

Money Minx

Maximize your wealth with Money Minx.

Best for: SMB teams · Mid-market · Enterprise

Start Free Trial

Add to compare

What is Money Minx?

Money Minx is a net worth tracking platform that connects to assets, investments, debt, crypto, and NFTs in one dashboard. Users can build reports with a Net Worth Calculator and get AI-generated insights into resource allocation and potential portfolio risks.

Read more about Money Minx
Free TrialTry Free →

Actual competitors, compared

There are 10 direct Actual competitors in Personal Finance Software. The ones that come up most often are Mint, Albert and You Need A Budget. Each is compared against Actual on rating, pricing and feature coverage below.

What else works like Actual?

Searches for "sites like Actual" and "apps like Actual" land on the same shortlist as "Actual alternatives" — the 10 options below cover both, whether you want a like-for-like replacement or something lighter.

Why these tools are worth your time

Mint9.8Best for teams of all sizes

Simplifies budgeting and financial tracking by aggregating all accounts in one place.

Watch for: Connectivity issues, especially with accounts from non-mainstream banks, credit unions, or specific services like Paypal.

Albert9.5Best for small & mid-size businesses

Quick and efficient customer service, resolving issues promptly.

Watch for: Costly service, considered expensive by some users.

You Need A Budget9.4Best for teams of all sizes

YNAB provides a digital envelope system that helps users understand where their money is going, promoting better financial decisions.

Watch for: Steep learning curve initially for setting up and understanding the platform, may require some time and effort to grasp fully.

Goodbudget9.1Best for teams of all sizes

User-friendly interface

Watch for: Limited investment features

Buxfer8.9Best for teams of all sizes

Easy to import bank statements and allocate transactions to predetermined categories.

Watch for: Mobile app experience could be improved for parity with desktop usage.

EveryDollar8.9Best for teams of all sizes

Intuitive budgeting

Watch for: Limited advanced features

Monzo8.8Best for teams of all sizes

Reviewers consistently praise the app's ease of use and seamless, simple experience.

Miza7.5Best for small & mid-size businesses

Mobile budgeting app

Watch for: Limited investment tracking

Keeper TaxBest for small businesses

Makes tracking and categorizing expenses and write-offs effortless throughout the year.

Watch for: The recurring subscription is reported as difficult to cancel.

Money MinxBest for teams of all sizes

Tracks all assets and investments

Watch for: Limited investment options

What to weigh when comparing Actual alternatives

What sets these 10 alternatives apart, in the numbers: 6 offer a free tier; paid plans run $6.41–$199, with Money Minx the cheapest entry point; and Goodbudget is the highest rated at 5 across 1 reviews.

How the list is built.

Frequently Asked Questions (FAQs)

Stuck on something? We're here to help with all the questions and answers in one place.

The top-rated alternatives to Actual are Goodbudget (5.0★), Miza (5.0★), Money Minx (5.0★). Compare all 10 alternatives side-by-side above.

When evaluating alternatives to Actual, prioritize: Financial Management, Cash Management, Budget Management, Bank Reconciliation, Encryption, transparent pricing, free trial availability, and integrations with your existing tools. Use the filters above to compare by feature, budget, and team size.

Actual starts from $4 /Month. Many alternatives offer similar functionality at different price points — some with free tiers, others with more flexible per-seat pricing. Use the filters above to narrow by budget.

Migration difficulty depends on how deeply Actual is integrated into your workflows. Most alternatives offer data export/import tools and dedicated onboarding support. We recommend narrowing to 2–3 options, running a free trial, and checking each vendor's migration guides before committing.

Which Actual alternative is right for you?

  • On a budget / just exploring: start with a free tier — Mint, You Need A Budget and Goodbudget let you evaluate without paying upfront.
  • If real-user ratings matter most: Goodbudget has the strongest star rating (5★) among the options with verified reviews.
  • Want the safest pick: Mint has the highest Spotsaas Score (9.8) in this list — a strong default if you're unsure.

Replacing Actual: how to switch

Migrating from Actual works best in stages. Export your data, confirm the new tool accepts it, and check that your essential workflows hold up. Try a short pilot before rolling out, and leave Actual running until you're confident. Most picks above offer free testing.

Disclaimer: This research has been collated from a variety of authoritative sources. We welcome your feedback at [email protected].