Overview
Actual Budget is a local-first, envelope-budgeting application emphasizing user privacy and control over financial data. It employs a self-hosted syncing service that allows data to be accessed across multiple devices while also supporting optional end-to-end encryption for enhanced security. The application focuses on real income budgeting, enabling users to track spending effectively and identify savings opportunities. Bank syncing is supported via goCardless (EU/UK) and SimpleFIN (US/Canada). Actual offers a streamlined interface for transaction management, supporting split transactions and transfers within a single editor. The platform includes customizable reporting, built-in YNAB4 & nYNAB importers for easy migration, and a fully-featured API for custom integrations.