Actual Budget vs Mercury

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.

Mercury is banking platform for startups with built-in treasury, venture debt, and financial workflows. It provides comprehensive features for financial management workflows. The tool is actively maintained with regular updates and strong community/vendor support.