Actual Budget
Local-first personal finance and envelope budgeting app
27.8k stars 2.8k forks last commit first released MIT
Actively maintained
Last commit 27 Jul 2026.
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.
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