Actual Budget vs Baremetrics

Actual Budget is an open-source, privacy-focused personal finance application based on envelope budgeting methodology. It operates as a local-first application with optional self-hosted sync across devices and end-to-end encryption. The app supports bank syncing via GoCardless (EU/UK) and SimpleFIN (US/Canada), transaction importing from QIF, OFX, QFX, and CSV formats.

Baremetrics is a subscription analytics and revenue recovery platform for SaaS businesses. It connects to payment processors like Stripe, Braintree, and Recurly to provide real-time MRR, churn, LTV, and other subscription metrics.