Your Finances — made simple
Actual Budget is a super fast and privacy-focused app for managing your finances. At its heart is the well proven and much loved Envelope Budgeting methodology.
You own your data and can do whatever you want with it. Featuring multi-device sync, optional end-to-end encryption and so much more.
Be involved in your financial decisionsAutomated finance tools are great, except when they aren’t. We provide you with tools that are quick to use, but ultimately you are in control. We help you learn, instead of dictating.
Meticulously designed for speedA beautifully designed interface is fine-tuned to get out of your way and make it as fast as possible to explore your finances.
Unabashedly local-first softwareActual is a local app, plain and simple. Your data is synced in the background so all devices have access, but the app totally works regardless of your network connection. This also allows end-to-end encryption to keep your data private.
Powerful budgeting made simple
The fastest way to manage transactions
Oh my, the reports
So many features
Everything in one place
Add all of your accounts and track everything in one place. Get valuable information like net worth from all your accounts together. Learn more
Syncing across devices
Self-host our syncing service. It’s easy to set up, but uses sophisticated distributed systems technology to sync changes across any number of devices. Learn more
Manage payees quickly. Merge them, set up custom rules for how they are matched, and use default categories to automatically categorize transactions. Learn more
Use split transactions to separate a single expense into multiple categories. An inline editor makes this seamless.
Actual has built in support for bank syncing using goCardless (EU/UK). Community importers are also available for Plaid and SimpleFIN (US/Canada). Learn more
Track your spending with budgets. You can only budget cash you have on hand, which means your budget stays realistic and you don't make numbers up. Learn more
Manage transfers easily by creating transfer transactions. Actual will link the transactions on both sides and update them together. Learn more
Import transactions from the most popular financial files: QIF, OFX, QFX, and CSV. Soon we will launch bank syncing to automatically download transactions. Learn more
Undo & redo
A robust undo system allows you to rollback any changes you make, and redo them if desired. Never worry about making mistakes. Learn more
Migrate your data
We provide builtin YNAB4 & nYNAB importers that keep all of your history. There are many more available from the Actual Community. Learn more
If you're a developer, we got you. Use our fully-featured API to write custom importers or build your own features. This API simply runs on your local data. Learn more
Own your data
* PikaPods donates 20% of fees people like you pay to run Actual on their servers to our Open Collective. Regardless of this relationship, we believe PikaPods is the easiest way to get started with Actual.