Robust and simple budgeting that works
Actual is a personal finance tracker with a powerful budgeting system. Only budget money that you have and see exactly how much you're saving each month. Track all your accounts in one place.
It's also a completely free local app which keeps your data private, with an optional service for syncing across devices.
Clean implementation of an envelope budgeting system. Exactly what I’ve been looking for since YNAB 4 was killed off. Privacy-first.Cons:
If you consider automatic transaction downloading a necessary feature then you’ll want to wait for a later update.
I’ve been doing envelope budgeting for almost a decade and my household only runs smoothly when I can stick to my weekly budgeting update schedule. I’ve been able to use Actual in beta for almost a year with no interruptions to this process. James has been an amazing steward of the product and I’m sure it’s only going to get better over time.Scott Mathson has used this product for one year.
I love that it keeps data local. It's also easy to use so far. Seems similar to YNAB (great software) with a fraction of the overhead.Cons:
I feel like it really needs connected bank account support for my use case. I'm content to wait for it at this point though.
I've followed James' development of this product for a while and he's very talented, competent, and committed to this. I think it's worth trying if you're interested; I suspect it'll be supported for a while yet.Steve Adams has used this product for one day.