head to head · open source
Fincept Terminal vs Actual
Fincept Terminal has 31,729 GitHub stars, 4,491 forks, 3 open issues and last shipped 2 days ago. Actual has 28,976 stars, 2,991 forks, 252 open issues and last shipped yesterday. Fincept Terminal leads on adoption by 10% (31,729 vs 28,976 stars). Fincept Terminal is written in C++ under a custom or non-standard licence; Actual is written in TypeScript under MIT. Fincept Terminal has attracted 14% as many forks as stars, Actual 10%. Actual was the more recently maintained of the two, and both are self-hostable with no licence fee. The two share 1 topic tag (finance), so they are genuine substitutes rather than adjacent tools.
Two open source projects, one decision. Both are free and self-hostable — the differences are community size, license terms, language stack and release pace.
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Side by side
| Fincept Terminal | Actual | |
|---|---|---|
| GitHub stars | ★ 32K | ★ 29K |
| License | Custom / other | MIT |
| Written in | C++ | TypeScript |
| Last push | 2026-09-16 | 2026-09-17 |
| Forks | ⑂ 4.5K | ⑂ 3.0K |
| Self-hosting | Yes | Yes |
| Data ownership | Your server | Your server |
pick Fincept Terminal if
- You weight community size — 32K stars and counting
- You want the Custom / other license terms
- Your stack matches C++
- You value the larger contributor base for long-term maintenance
pick Actual if
- You want the Actual feature set and don't need the biggest community
- You prefer the MIT license terms
- Your stack matches TypeScript
- You evaluated both and Actual fits your workflow better
About Fincept Terminal
Fincept Terminal is an open source financial terminal built in C++ with Qt6, designed to deliver institutional grade market analytics, investment research, and economic data tools in a desktop environment. It provides interactive interfaces for exploring financial data, running quantitative analyses, and executing trading strategies. The project lives in the fintech ecosystem and serves as a free, community driven alternative to proprietary terminals like Bloomberg Terminal.
read the full Fincept Terminal overview →
About Actual
Actual is a local first personal finance application built for envelope budgeting, part of the open source personal finance ecosystem. It runs entirely on the user’s device by default, ensuring data remains under full local control, while optionally syncing changes across devices via a self managed or hosted backend.
read the full Actual overview →
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Frequently asked questions
Is Fincept Terminal or Actual more popular?
Fincept Terminal has 31,729 GitHub stars and Actual has 28,976. Fincept Terminal has the larger community by that measure.
Are Fincept Terminal and Actual free?
Both are open source. Fincept Terminal has no licence declared in this registry, and Actual is licensed under MIT. Both are free to self-host.
What is the difference between Fincept Terminal and Actual?
Fincept Terminal is written in C++ and Actual in TypeScript. The practical differences are community size, licence terms, language stack and release cadence — all compared in the table above.
Which should I choose, Fincept Terminal or Actual?
Choose Fincept Terminal if you want the larger community (31,729 stars) or its Custom / other licence terms. Choose Actual if its feature set, stack or MIT licence fits better. Both are self-hostable.