Actual Budget

Robust and simple budgeting that works

#4 Product of the DayJanuary 29, 2019

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.

  • Pros: 

    Clean implementation of an envelope budgeting system. Exactly what I’ve been looking for since YNAB 4 was killed off. Privacy-first.


    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.
  • Pros: 

    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.


    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.
Hey everyone! I'm James and over 3 years ago I got tired with not knowing where my money was going. Eventually I decided to build Actual because I wanted something that provided a robust budgeting system, like envelop budgeting where you only budget money that you have, without being so overbearing with it. Also, this is a completely local app and your data by default isn't hosted anywhere. You might like this if you don't want to depend on a company hosting your data, and want to start tracking your finances more closely! Since it's a local app, I'll be able to do a lot of cool things too like crazy custom reporting since all your data is right there locally. Let me know what you think!
Awesome stuff James, congrats on the release!
@matzatorski Thanks Mateusz!
Congrats, James! 👍 I think I'm equally excited about the product *and* the tech that you have so careful curated and constructed to create it.
Great stuff, and I love the fInal logo! Congratulations 🎈🎉🍾🎊
Woohoo, congrats on the launch!! I’ve been a user of YNAB for many years, so I’m excited to try Actual. Is there any easy way to import my YNAB cloud data?
@beedesignllc Thanks! It doesn't have automatic YNAB 5 import yet, but soon I want to expose an API where all importers can build on top of. Then we can all develop importers together. YNAB 5 is going to be harder because I'm not sure how much data they give you when exporting (not sure you can re-construct a full zero-based budget from it?)
@jlongster Cool. Ideally you could import all data, but the most important things to me would be importing my categories and accounts.