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Actual

Robust and simple budgeting that works.

★★★★★ 5.0/5
FactScore™ 15.1
VS

YNAB (You Need A Budget)

Stop living paycheck-to-paycheck, get out of debt, save 💰

★★★★☆ 4.0/5
FactScore™ 19.1

Updated June 2026

Actual YNAB (You Need A Budget)
Rating 5.0★ 4.0★
Reviews 1 2
Pros 0 2
FactScore™ 15.1 19.1

FactScore™ Comparison

FactScore™ weighs both quality (rating) and popularity (reviews) for a fairer ranking than stars alone.

15.1
Actual FactScore™
👑
19.1
YNAB (You Need A Budget) FactScore™
★ YNAB (You Need A Budget) wins on FactScore™

Pros & Cons

Only in Actual — Pros

No unique pros listed

Both tools — Pros

—

Only in YNAB (You Need A Budget) — Pros

Easy to understand Simple functionality

Only in Actual — Cons

—

Both tools — Cons

—

Only in YNAB (You Need A Budget) — Cons

Learning curve Missing multiple currency support

Details

Actual YNAB (You Need A Budget)
Categories Finance, Budgeting apps, Savings apps Budgeting apps, Savings apps, Financial planning
Platforms Web · iOS Web
Added January 29, 2019 January 3, 2015
Website actualbudget.com www.youneedabudget.com

Who Should Pick Which?

Choose Actual if...

  • No unique pros listed

Choose YNAB (You Need A Budget) if...

  • Easy to understand
  • Simple functionality

With a FactScore™ of 15.1 vs 19.1, YNAB (You Need A Budget) leads in community reception. Actual uniquely offers No unique pros listed, while YNAB (You Need A Budget) stands out for Easy to understand and Simple functionality.

3

What Users Say

Actual

No reviews yet

YNAB (You Need A Budget)

L
lbadura Feb 28, 2023
★★★★☆

I like the product. Main missing feature: multiple currency support - it's super strange, given it's a tool dealing with money.

S
Stephanie Jan 24, 2025
★★★★☆

There's quite a learning curve, but I'm liking their approach to budgeting!

Frequently Asked Questions

Which is better, Actual or YNAB (You Need A Budget)?

Based on FactScore™, YNAB (You Need A Budget) leads with a score of 19.1 vs 15.1. YNAB (You Need A Budget) has a higher rating of 4.0★ compared to 5.0★.

What are the pros of Actual compared to YNAB (You Need A Budget)?

Actual uniquely offers: No unique pros listed.

What are the pros of YNAB (You Need A Budget) compared to Actual?

YNAB (You Need A Budget) uniquely offers: Easy to understand, Simple functionality.

Is Actual better rated than YNAB (You Need A Budget)?

Actual is rated 5.0★ from 1 reviews. YNAB (You Need A Budget) is rated 4.0★ from 2 reviews.

What is the FactScore™ of Actual and YNAB (You Need A Budget)?

FactScore™ weighs rating and review volume together. Actual scores 15.1 and YNAB (You Need A Budget) scores 19.1.

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