Actual Budget
Actual Budget is a powerful, privacy-first personal finance management tool designed to simplify budgeting and financial tracking. Built on the proven Envelope Budgeting methodology, it ensures realistic budgeting based on real income, helping users save money and gain control over their spending.
Key Features
- Local-First Design: Operates offline with optional syncing across devices, ensuring data accessibility regardless of network status.
- End-to-End Encryption: Offers optional encryption for maximum data privacy, keeping your financial information secure even on synced servers.
- Multi-Device Sync: Seamlessly syncs data across devices with self-hosted server options for full control.
- Bank Sync Support: Integrates with services like goCardless (EU/UK) and SimpleFIN (US/Canada) for automatic transaction imports.
- Intuitive Reports: Provides built-in net worth and cash flow reports, plus a custom report engine for personalized insights.
- Transaction Management: Streamlined interface for quick categorization, split transactions, and transfers.
- Data Ownership: Users fully own their data, with easy migration options from tools like YNAB4 and nYNAB.
- Additional Tools: Supports dark mode, API for developers, undo/redo functionality, and imports from various financial file formats (QIF, OFX, CSV).
Use Cases
Actual Budget is ideal for individuals seeking a privacy-focused, user-controlled alternative to automated finance tools. It caters to tech-savvy users who value self-hosting and encryption, as well as anyone looking to adopt envelope budgeting for better financial discipline. Whether you're tracking personal expenses or managing household budgets, Actual Budget offers speed, simplicity, and security.
