Actual Budget

Track personal expenses and manage envelope budgets across devices with local privacy

Pricing model

Free

Rating

★ People love it

Time to value

Quick Setup (< 1 hour)

You can use Actual Budget to manage your personal finances with envelope budgeting. It works as a local-first application that keeps your financial records private, with optional end-to-end encryption across all your devices. You can import transactions directly from bank feeds or through file uploads like CSV and QFX. The system lets you categorize spending, handle split transactions, and link transfers between accounts. You can also generate custom cash flow and net worth reports to clearly monitor your savings progress without compromising your personal data.

What Actual Budget does

Import bank transactions from CSV or QIF filesAllocate available income into category envelopesReconcile account balances against bank statementsSplit a transaction across multiple spending categoriesCreate custom cash flow and net worth reportsSet up end-to-end encryption for sync dataTransfer money between internal accountsLocal-first architecture that functions completely offlineOptional end-to-end encryption for multi-device synchronizationEnvelope-based budgeting calculated strictly on real available cashDirect bank synchronization through GoCardless and SimpleFINFinancial file imports supporting CSV, QIF, OFX, and CAMT.053Direct migration tools for importing history from YNAB4 and nYNABBuilt-in customizable reporting for net worth and cash flow

Pricing breakdown

Pricing model: Free

Tutorials & Demos

Frequently asked

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