Actual Budget
Your finances — made simple
Actual Budget is a local-first personal finance application built around envelope budgeting, where spending is planned from income actually available. It keeps data on the user's device, works without a network connection, and syncs changes across devices, with optional end-to-end encryption.
Accounts are managed in one place, with net worth and cash flow reports plus a custom report engine. Transactions can be imported from QIF, OFX, QFX, CAMT.053 and CSV files, and bank sync is available through GoCardless for the EU/UK and SimpleFIN for the US/Canada. Transfers link both sides of a transaction, and an undo and redo system covers edits. Built-in YNAB4 and nYNAB importers migrate existing history, with additional importers from the community. Dark mode and dynamic theming are included, and a local API supports custom importers and features.
The app is self-hosted, with syncing run on the user's own server or through a hosted setup. It is aimed at individuals managing their own finances, including developers extending it via the API.
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