Actual Budget manages personal finances using envelope budgeting, with a focus on privacy and fast local operation.

actualbudget.org
Actual homepage screenshot

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

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

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github.com/NickvisionApps/Denaro

Denaro helps manage personal finances, including multiple accounts and transactions, through its desktop application.

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