Actual

Actual Budget is a fast, privacy-focused finance management app built around the proven Envelope Budgeting methodology. Unlike automated finance tools, Actual empowers you with control and clarity over your financial decisions.

Key Features

• Local-first architecture: Works offline with background sync across devices, ensuring privacy and reliability
• Envelope budgeting: Realistic budgeting based on your actual income and spending, not estimates
• End-to-end encryption: Optional E2E encryption keeps your financial data private even from the sync server
• Multi-account tracking: View net worth and cash flow across all your financial accounts in one place
• Bank sync integration: Built-in support for goCardless (EU/UK) and SimpleFIN (US/Canada) bank syncing
• Transaction management: Streamlined interface for fast transaction entry, categorization, and split transactions
• Reporting engine: Customizable reports including net worth, cash flow, and user-designed templates
• Data portability: Import from YNAB4, nYNAB, QIF, OFX, QFX, CAMT.053, and CSV files
• Undo/redo system: Robust version control for your financial data
• Developer API: Full-featured local API for custom importers and integrations
• Dark mode: System-aware theming options
• Self-hosting: Full control over your sync server and data storage

Tech / Self-Hosting

Actual is built as a local-first application with optional cloud sync. The core app runs entirely on your device while syncing changes across devices in the background. For maximum privacy, you can self-host the sync server or enable end-to-end encryption. The application is distributed as a desktop app with web-based demo available. Installation options include manual setup or one-click deployment through services like PikaPods.