Actual Budget

Features

• Automated 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.
• A beautifully designed interface is fine-tuned to get out of your way and make it as fast as possible to explore your finances.
• Actual 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.
• Save hundreds of dollars a year (at least!) by tracking your spending. Based on tried and true methods, our budgeting system is based off of your real income instead of made up numbers. This makes you face your real spending, and clearly shows how much you are saving each month. We make this process as simple as possible. Learn more
• Breeze through your transactions and update them easily with a streamlined, minimal interface. Categorizing your transactions correctly is important and we’ve optimized this process. Manage split transactions and transfers all in the same editor.
• Intuitive reports give you a quick way to learn about your finances. By default, we include net worth and cash flow reports. Actual also includes a powerful custom report engine to design your own reports to fit your needs.
• Add all of your accounts and track everything in one place. Get valuable information like net worth from all your accounts together. Learn more
• 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
• Actual has built in support for bank syncing using goCardless (EU/UK) and SimpleFIN (US/Canada).
• Use the power of envelope budgeting to get on top of your finances. 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.
• Import transactions from the most popular financial files: QIF, OFX, QFX, CAMT.053 and CSV
• A robust undo system allows you to rollback any changes you make, and redo them if desired. Never worry about making mistakes
• We provide builtin YNAB4 & nYNAB importers that keep all of your history. There are many more available from the Actual Community
• Choose your own style with a built in dark mode and dynamic theming using your system default
• 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
• Actual allows you to effortlessly sync changes by running your own server. Access updates from anywhere with peace of mind. For those seeking next-level security, our optional end-to-end encryption ensures your data remains unreadable, even to the server

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