Firefly III manages personal finances with double-entry bookkeeping, transaction organization, data imports, and bank CSV cleanup rules.
Actual
Actual Budget manages personal finances using envelope budgeting, with a focus on privacy and fast local operation.

About Actual
Actual Budget is an app for managing personal finances with envelope budgeting based on real income rather than projected numbers. It is local-first and works without a network connection. Changes sync in the background across devices by running your own server, with optional end-to-end encryption.
Pricing is not clearly stated.
Key features
- Bank syncing via goCardless for EU/UK and SimpleFIN for US/Canada
- Import QIF, OFX, QFX, CAMT.053 and CSV files
- Built-in YNAB4 and nYNAB importers
- Net worth, cash flow and custom reports
- Manage split transactions and transfers in one editor
- Robust undo and redo
Actual at a glance
- Website
- actualbudget.org
- Category
- Finance & Money › Finance & Property
- Type
- App
- Pricing
- Not confirmed. Check the site
- Platforms
- Web
- Details verified
- Oct 22, 2026 · Official source
- Open source
- Not stated
- Language
- English
- Last checked
- Oct 5, 2026 · Online when checked
- Listed
- Oct 5, 2026
Actual alternatives
Tools and sites you could use instead, ranked by how closely they match.
HomeBank is free personal finance software for managing accounts, budgets, and spending on Linux, Windows, and macOS.
Paisa supports personal finance management, including investment tracking, expense categories, budgeting, and money management.
Denaro helps manage personal finances, including multiple accounts and transactions, through its desktop application.
This Android personal finance app is described as local-first, encrypted, self-hosted, and able to sync across devices.
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