About Actual Budget
Actual Budget is an open source personal finance app built around envelope budgeting. It is local-first, which means the app keeps working when you are offline and syncs your data in the background.
What it does
Actual Budget helps you plan spending based on your real income. You track accounts and transactions, split a payment across categories, and move money between budget envelopes. Built-in reports show net worth and cash flow, and a custom report engine lets you build your own views. Data can sync across devices, with optional end-to-end encryption for privacy.
Key features
- Envelope budgeting based on real income
- Track accounts, transactions and splits
- Net worth and cash flow reports
- Custom report builder
- Multi-device sync with optional encryption
Who it's for
Individuals and couples who want to understand their spending and save more each month. It also suits privacy-minded people who want their finances kept local and encrypted.
Pricing and good to know
Actual Budget is open source under the MIT license and can be run for free. Hosting is available through PikaPods, which the project lists as a way to set up quickly. Budgeting only works well when transactions are entered or imported regularly, so plan a routine for that.
Highlights
- Plan spending with envelope budgeting
- Split transactions across categories
- View net worth and cash flow reports
- Build custom reports
- Sync across devices with optional encryption
