Actual Budget

An open-source, privacy-focused personal finance application that utilizes the "envelope budgeting" method.

Cost

Free

Rating

★ People love it

Time to value

Quick Setup (< 1 hour)

You can use Actual Budget to track your spending and create budgets based on your actual income. It uses envelope budgeting where you allocate money into different spending categories. The app runs locally on your device while syncing data across multiple devices. You can import bank transactions, create custom reports, and view your net worth. It includes features like undo/redo, dark mode, and end-to-end encryption for privacy.

What Actual Budget does

Set up budget categories and allocate fundsImport bank transactions from CSV or OFX filesCategorize and split transactionsCreate custom financial reportsSync budget data across devicesMonitor account balances and net worthTrack spending against budget limitsExport financial data for analysisLocal-first app that works offlineEnd-to-end encryption for privacyMulti-device synchronizationEnvelope budgeting methodologyBank sync with goCardless and SimpleFINCustom report builderUndo and redo systemImport from multiple file formats