Actual Budget

Robust and simple budgeting that works

5.0/5
About

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.

Would you recommend this product?

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.

Pros:

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.

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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.

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.

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.

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I've been using Actual for about a year now and it's a lot better than other tools I've tried. In fact, I've tended to quit other tools within a few months out of frustration or privacy concerns. Actual is thoughtfully built and maintained with a little extra given to developers in that there's an API. I've built a CLI utility that can auto-import transactions for me, making budgeting a breeze.
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Kudos to James. The product keeps improving with each update.

Pros:

Minimal / Fast. Better than the alternatives I've tried.

Cons:

Reports could be more detailed, e.g. a pie chart for spending.