Actual Budget
Local-first personal finance and envelope budgeting app
28.4k stars 2.9k forks last commit first released MIT
Actively maintained
Last commit 26 Aug 2026.
Actual Budget is a local-first personal finance application focused on fast day-to-day budgeting and transaction tracking. It supports envelope-style budgeting, works offline, and can optionally sync across devices using a self-hosted sync server.
Key Features
- Envelope-style budgeting based on money you actually have
- Transaction management with categorization, splits, and transfers
- Built-in reports including net worth and cash flow, plus custom reporting
- Multi-device sync with optional end-to-end encryption
- Imports from common financial formats (QIF, OFX, QFX, CAMT.053, CSV)
- Undo/redo for safely reverting changes
- Data migration tools including importers for YNAB4 and nYNAB
- Developer API for building custom importers and integrations
Use Cases
- Personal or household budgeting with envelope methodology
- Tracking spending across multiple accounts to understand net worth and cash flow
- Privacy-focused finance management with offline-first usage and encrypted sync
Actual Budget is well-suited to people who want full control over their financial data while still having a modern UI, useful reporting, and optional cross-device synchronization.
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