Comparison

Your Finances — made simple | Actual Budget vs Tiller

Your Finances — made simple | Actual Budget and Tiller both land on Depends.

Your Finances — made simple | Actual Budget

actualbudget.org

Depends

Confidence: Medium

Buy it if you can self-host and patch fast . you get private, fast envelope budgeting with no subscription.

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Tiller

Depends

Confidence: Medium

Tiller is a strong buy if you're comfortable in Google Sheets or Excel and want automated bank feeds with full control over your data.

Read the full report

Your Finances — made simple | Actual Budget versus Tiller
Compare	Your Finances — made simple \| Actual Budget	Tiller
Verdict	Depends	Depends
Best for	Self-hosters and privacy buffs	Spreadsheet power users
Who it's not for	Non-technical users wanting set-and-forget apps	Anyone allergic to spreadsheets . Tiller lives in Sheets/Excel
Privacy	One critical auth bypass (CVE-2026-27584) let unauthenticated attackers read financial data; fixed in v26.2.1.^³	No known public vulnerabilities found in the sources reviewed.
Support quality	No support evidence found	Users rave; some praise is self-published
Public sentiment	Enthusiasts praise its speed and automatic transaction imports, but the critical 2026 auth bypass spooked less technical self-hosters.^⁶	Users love the automation and control, but grumble about the price hike and weigh it against YNAB.
Biggest gotcha	Run an exposed server unpatched and anyone can read your transactions^³	Annual price rose from $79 to $99/yr . existing users objected loudly.¹²

Pick Your Finances — made simple | Actual Budget when

Self-hosters and privacy buffs
Envelope budgeting fans
Hands-on tinkerers
Households tracking every dollar

When Your Finances — made simple | Actual Budget is not a fit

Non-technical users wanting set-and-forget apps
Anyone unwilling to patch a server promptly
People needing zero-maintenance bank sync
Casual spenders . a spreadsheet is enough

Pick Tiller when

Spreadsheet power users
Hands-on budgeters
Financial coaches and advisors
Mint refugees wanting data ownership

When Tiller is not a fit

Anyone allergic to spreadsheets . Tiller lives in Sheets/Excel
Mobile-first users wanting a polished phone app
People who want zero-maintenance, passive tracking
Simple spenders already fine with their bank's free tools

Sources

Actual Budget official siteactualbudget.org
official
CVE-2026-27584: ActualBudget Information Disclosure Flawsentinelone.com
security
CVE-2026-27584: ActualBudget Sync Auth Bypassmiggo.io
security
Missing Authentication in ActualBudget Servercodeant.ai
security
ActualBudget Server Vulnerability Exposes Financial Datalinkedin.com
security
Anyone using Actual Budget? (Bogleheads)bogleheads.org
review
Creating a household budget using Actual (Home Assistant community)community.home-assistant.io
review
Actualbudget CVEs and Security Vulnerabilitiesapp.opencve.io
security
Known Vulnerabilities in actual-server Docker imagesliplane.io
security
Tiller homepagetiller.com
official
Tiller Pricing And Free Trialtiller.com
official
Tiller increases cost to $99/yr : r/TillerMoneyreddit.com
news
Tiller Money Review 2026: Spreadsheet-Based Budgeting . College Investorthecollegeinvestor.com
review
A Review Of Tiller Money For Financial Advisors . Kitceskitces.com
review
Why I Use Tiller Money as a Financial Coach . AFCPEafcpe.org
review
Tiller Money Review and User's Guide . Rob Bergerrobberger.com
review