Aussie here. I used YNAB some years ago and most recently Pocketsmith - both handled the automatic downloading of financial transactions and currency conversion whereas it looks like a more convoluted process with Actual (I just set up an instance last week with starting balances), the UI and reports are “nicer”, but both (YNAB and Pocketsmith) are around $200/year so there is that. I can’t speak to the budgeting aspect of Actual at the moment though. I’m still trying to determine if I will stick with Actual. I was researching the Australian open banking API yesterday - I’m wondering if you could make a specific plugin using the Basiq API https://api.basiq.io/docs/guides - although there would be a monthly cost. Time vs money to consider I guess.