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.
Exploring Actual? Compare it with Lunch Money for clean multi-currency tracking, Rocket Money to cancel subscriptions and lower bills, Copilot for bank-powered insights, and YNAB for a proven, rule-based budgeting method.