Actual Budget

Actual Budget is a local-first personal finance application focused on envelope-style budgeting. It runs offline with fast local data access, and can optionally sync across devices using a self-hosted sync server with end-to-end encryption.

Key Features

• Envelope budgeting based on real cash on hand
• Transaction management with categories, splits, and transfers
• Reports including net worth and cash flow, plus a custom report engine
• Multi-device sync via a self-hostable synchronization service
• Optional end-to-end encryption for synced data
• Imports for common finance formats (QIF, OFX, QFX, CAMT.053, CSV)
• Built-in migrations/importers for YNAB4 and nYNAB
• Undo/redo support for budgeting and transaction changes
• Developer API for building custom importers and integrations

Use Cases

• Run a privacy-focused household budget with envelope categories and monthly planning
• Track spending across multiple accounts and review net worth and cash flow trends
• Self-host a secure sync service to keep budgets consistent across devices

Actual Budget combines offline-first speed with optional self-hosted synchronization, giving you control over your financial data and workflow. It is well-suited to users who want a modern budgeting experience without relying on a proprietary cloud backend.