It’s more about having the optionality to not be tied to a SaaS provider and trusting them with all your financial data and bank credentials. Having options to:

1– Install a piece of software and run it locally, no subscription, no cloud 2– Have to right to use a nicer app instead of a spreadsheet 3– not hand over your banking creds. Some banks will void your account insurance if you do 4– Reduce your exposure by not putting all your financial data on some startup’s servers.

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dmoy 4 hours ago | parent [-]

It's also maybe more useful in the US where we're behind the times w.r.t. better APIs for accessing banking & investment data

	▲	nirvdrum 4 hours ago \| parent [-]
		Actual Budget uses SimpleFIN [1] in the US. The integration is pretty good. The big alternative is Plaid and I don't trust them at all. It's a shame we don't have a standard for electronic banking yet. [1] -- https://beta-bridge.simplefin.org/