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actual vs Wallos

Side-by-side comparison of features, pricing, ratings, and alternatives.

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actual
actualSecure, private budgeting for individuals and households
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Wallos
WallosSelf‑hosted subscription tracker to monitor and manage all your recurring expenses
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Overview
Description

Actual is a local‑first personal finance manager that stores all data on your own device, keeping your financial information private and under your control. It runs on Windows, macOS, Linux and via a web interface, giving you seamless access wherever you work. Designed for individuals and small households, Actual offers robust budgeting, expense tracking, and reporting tools without any subscription fees. With open‑source transparency and community‑driven support, you can trust the app to evolve while staying completely free.

The tool provides a clean dashboard, alerts for upcoming renewals, and detailed reports to help you budget effectively. It’s free to use and can be deployed on any server that supports Docker or a standard web stack.

Pricing
Free
Free
Category
Personal Finance
Accounting & Finance
Best for
Individuals and small households
Individuals and small teams
Specifications
Spec source
AI-estimated
AI-estimated
deployment
Desktop App
Self-hosted
open source
Yes
Yes
github stars
27,710+236%
8,258
api available
No
No
support options
GitHub Issues, Community Discord
GitHub Issues
primary language
TypeScript
PHP
Pros & Cons
Pros
  • Completely free and open source
  • Data stays on your device for maximum privacy
  • Works offline and syncs locally across platforms
  • Highly customizable budgeting and reporting
  • Free and open‑source
  • Self‑hosted for full data control
  • Clear renewal alerts prevent accidental charges
  • Supports multiple users for small teams
Cons
  • No built‑in cloud backup; users must set up their own sync solution
  • Steeper learning curve compared to simple expense apps
  • Limited mobile app functionality (web version only)
  • Requires self‑hosting and technical setup
  • No native mobile app, only web access
  • Limited integrations compared to commercial alternatives
Community & Metrics
Upvotes
0
0
User rating
Not enough data
Not enough data

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Self‑hosted subscription tracker to monitor and manage all your recurring expenses

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firefly-iii
firefly-iii

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actual
actual

Secure, private budgeting for individuals and households

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Cashew
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Simple budgeting and expense tracking for individuals and small businesses

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The Verdict

AI-generated from listing data

Wallos is the safer default for teams needing shared subscription tracking, while actual excels for individuals wanting deep, offline budgeting.

Key differences

  • •Wallos focuses on subscription renewal alerts and calendar view; actual provides full budgeting, cash‑flow reports, and transaction imports.
  • •Wallos runs as a Docker‑based self‑hosted web app; actual is a cross‑platform desktop app with optional self‑hosted sync server.
  • •Wallos supports multiple users with role‑based permissions; actual is single‑user‑oriented with local sync, no native multi‑user roles.
  • •Wallos offers CSV export only; actual includes extensive reporting, visualizations, and community‑built importers.
  • •Wallos has no API and limited integrations; actual also lacks an API but provides community importers and broader file format support.
DimensionWinner

Pricing & value

Both are free and open‑source, offering comparable cost‑free value.

Tie

Ease of use / learning curve

Wallos has a simple subscription list and calendar UI; actual’s drag‑and‑drop budgeting and import tools are more complex.

Wallos

Features & depth

Actual provides detailed reports, transaction imports, and budgeting categories, which exceed Wallos’s subscription‑only focus.

actual

Integrations & ecosystem

Actual supports CSV, OFX, QIF imports and community importers; Wallos only offers CSV export and no API.

actual

Collaboration

Wallos includes multi‑user support with role‑based permissions; actual is primarily single‑user with local sync.

Wallos

Scalability

Wallos’s Docker deployment can scale on any server; actual relies on desktop sync, less suited for larger teams.

Wallos

Support

Actual adds Community Discord to GitHub Issues, giving more real‑time community help than Wallos.

actual

Security & privacy

Actual encrypts all stored data and runs fully offline; Wallos stores data locally but does not specify encryption.

actual

Migration / lock‑in

Actual’s CSV/OFX/QIF import/export eases migration; Wallos only exports CSV, limiting data portability.

actual

Choose actual if…

Individuals or households wanting comprehensive budgeting, offline privacy, and detailed financial reports.

Choose Wallos if…

Small teams needing shared subscription tracking and simple renewal alerts.

Common questions

Is there any cost to use either tool?

Both Wallos and actual are free and open‑source.

Can I use these tools on mobile devices?

Neither provides a native mobile app; both are accessed via web or desktop browsers.

Which tool supports multiple users?

Wallos includes role‑based multi‑user support; actual is designed for single‑user use with local sync only.