Actual Budget vs Rocket Money
Actual Budget takes the higher SoftwareScore, 71 to 68. That's close enough that fit matters more than the number. Both are scored on the same public formula. See how.
Actual Budget vs Rocket Money: our take
Actual Budget takes the higher SoftwareScore, 71 to 68. That's close enough that fit matters more than the number.
Actual Budget pulls ahead on Ownership and Security (Ownership 10 vs 4), which makes it the stronger pick for privacy and data control.
Rocket Money pulls ahead on Linking and Ease (Linking 8 vs 5), which makes it the stronger pick for people who want something simple.
The clearest divide is Ownership (Actual Budget 10, Rocket Money 4). If that axis is central to how you work, let it settle the choice.
On lock-in, Actual Budget is the safer bet: it scores 10/10 on data ownership to Rocket Money's 4, so weigh how easily you could move your notes out later.