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Best Actual Alternatives for Windows — 8 Compared in 2026

Explore 8 alternatives to Actual — vetted by our editors with real user reviews, pricing, and feature comparisons.

8 top Actual alternatives, compared

Quick answer

The Actual alternatives worth knowing first are You Need A Budget, Money Dashboard and Workvivo. You Need A Budget earns the top SpotScore (9.4) and a 4.99★ rating. See how all 8 stack up on score, rating, and price below.

Ready to move on from Actual? These 8 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
You Need A BudgetManage your money, meet your goals.9.4★★★★★ 4.99(1501)FreeFree Trial · Subscriptionteams of all sizes
Money DashboardTake control of your finances with ease.8.8★★★☆☆ 3.19(79)Quotation Basedsmall & mid-size businesses
WorkvivoConnecting teams, strengthening relationships.—★★★★★ 4.89(1470)Quotation Basedteams of all sizes
Finance OSTake control of your finances with Finance OS.—Not yet ratedfrom $29teams of all sizes
CloudBudgetTransform your budgeting process with CloudBudget.—★★★★☆ 4(3)Quotation Basedteams of all sizes
Notion Budget TrackerTrack your money effortlessly and reach your goals.—Not yet ratedfrom $9teams of all sizes
DryrunMaster your finances with Dryrun.—★★★★★ 4.54(12)Freefrom $49/moteams of all sizes
QualifiedAccelerate sales, maximize your website's potential.—★★★★★ 4.6(25)FreeFree Trial · Quotation Basedteams of all sizes

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

5.0

1501 verified reviews

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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 ...

Read more about You Need A Budget
Free TrialTry Free →

8.8

SpotScore

Money Dashboard - Personal Finance Software

Money Dashboard

Take control of your finances with ease.

Best for: SMB teams · Mid-market

Get Pricing Details

3.2

79 verified reviews

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What is Money Dashboard?

The Money Dashboard is the easy way to budget, track and analyze expenses in life. The Money Dashboard syncs wirelessly with all major banking institutions in Canada through SecureMoney, secure software. ​User can access account anywhere-on smart phone, online or on desktop. Record transactions ...

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Money Dashboard offers custom pricing plan

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Workvivo - New SaaS Software

Workvivo

Connecting teams, strengthening relationships.

Best for: SMB teams · Mid-market · Enterprise

Get Pricing Details

4.9

1470 verified reviews

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What is Workvivo?

Workvivo is a revolutionary employee communication app that works to strengthen the connections between colleagues. Beyond the traditional tools, Workvivo has the ability to effectively engage and reach out to team members. This revolutionary communication platform aids in the construction of ...

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Workvivo offers custom pricing plan

Finance OS - New SaaS Software

Finance OS

Take control of your finances with Finance OS.

Best for: SMB teams · Mid-market · Enterprise

Get Pricing Details

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What is Finance OS?

Finance OS is the ultimate comprehensive platform to easily manage and track finances. Utilizing an intuitive Notion interface, users are able to track their expenses, income, and investments in a simple yet effective manner. Finance OS displays interactive visuals to showcase areas of ...

Read more about Finance OS
CloudBudget - New SaaS Software

CloudBudget

Transform your budgeting process with CloudBudget.

Best for: SMB teams · Mid-market · Enterprise

Get Pricing Details

4.0

3 verified reviews

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What is CloudBudget?

CloudBudget is an innovative budgeting solution that helps you determine the financial soundness of your business. Easily import and export data directly to/from FinancialForce, providing greater accuracy in budget tracking with increased capabilities of line item budgeting. See how CloudBudget ...

Read more about CloudBudget

CloudBudget offers custom pricing plan

Notion Budget Tracker - New SaaS Software

Notion Budget Tracker

Track your money effortlessly and reach your goals.

Best for: SMB teams · Mid-market · Enterprise

Get Pricing Details

Add to compare

What is Notion Budget Tracker?

Notion Budget Tracking is an incredible tool for managing finances and reaching financial goals with ease. This comprehensive product offers all the features necessary to track banks flows, create personalized budgets and monitor progress with detailed charts. With Notion, users benefit from an ...

Read more about Notion Budget Tracker
Dryrun - New SaaS Software

Dryrun

Master your finances with Dryrun.

Best for: SMB teams · Mid-market · Enterprise

Start Free Trial

4.5

12 verified reviews

Add to compare

What is Dryrun?

Dryrun is your complete cash flow management in the cloud. Easily stay on top of your finances and navigate the complexities of rapid growth with real-time, dynamic and robust visuals. Upload your own data or import it from Xero and Quickbooks Online. Customize each scenario and access all your ...

Read more about Dryrun
Free TrialTry Free →·

Dryrun offers custom pricing plan

Qualified - New SaaS Software

Qualified

Accelerate sales, maximize your website's potential.

Best for: SMB teams · Mid-market · Enterprise

Start Free Trial

4.6

25 verified reviews

Add to compare

What is Qualified?

Qualified leverages the current website of companies to identify leads and get the best return on investment. This comprehensive developer assessment helps start meaningful sales conversation, convert outbound and digital adverts, and further analyse clues of buying intent. This software helps ...

Read more about Qualified
Free TrialTry Free →·

Qualified offers custom pricing plan

Why these tools made our shortlist

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.

Money Dashboard8.8Best for small & mid-size businesses

Provides a clear overview of all financial accounts, enabling easy tracking and planning.

Watch for: Lack of support for certain bank connections like HL and Chase UK limits usability.

WorkvivoBest for teams of all sizes

Enhances employee engagement

Watch for: Limited integration options

Finance OSBest for teams of all sizes

Expense tracking

Watch for: Limited to personal finance

CloudBudgetBest for teams of all sizes

Easy data import/export

Watch for: Limited advanced features

Notion Budget TrackerBest for teams of all sizes

Comprehensive budgeting tools

Watch for: Limited to personal finance

DryrunBest for teams of all sizes

Cloud-based management

Watch for: May require training

QualifiedBest for teams of all sizes

Lead identification

Watch for: Requires website integration

What to weigh when comparing Actual alternatives

What sets these 8 alternatives apart, in the numbers: 3 offer a free tier; paid plans run $9–$49, with Notion Budget Tracker the cheapest entry point; and You Need A Budget is the highest rated at 4.99★ across 1501 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 You Need A Budget (5.0★), Workvivo (4.9★), Qualified (4.6★). Compare all 8 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 shortlisting 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 — You Need A Budget, Dryrun and Qualified let you evaluate without paying upfront.
  • If real-user ratings matter most: You Need A Budget has the strongest star rating (4.99★) among the options with verified reviews.
  • Want the safest pick: You Need A Budget has the highest Spotsaas Score (9.4) 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].