Actual Budget

Actual Budget is a privacy-focused, fast personal finance and budgeting app based on the Envelope Budgeting methodology. It helps users only budget money they actually have, track all accounts in one place, and see how much they are saving each month. The app is local-first, keeping data private with optional end-to-end encryption and multi-device sync through a self-hosted or optional syncing service. Features include streamlined transaction management, robust undo/redo, bank syncing for EU/UK and US/Canada, customizable reports, dark mode, and a fully-featured local API for developers.

platform:ios platform:windows platform:macos platform:linux pricing:free pricing:freemium form:desktop-app form:mobile-app form:web-app form:api feature:privacy-focused feature:local-first feature:end-to-end-encryption feature:multi-device-sync feature:bank-sync feature:envelope-budgeting feature:undo-redo feature:custom-reports feature:dark-mode feature:api use-case:budgeting use-case:personal-finance target:consumers target:freelancers target:teams