Actual is a local-first personal finance tool. It is 100% free and open-source, written in NodeJS, it has a synchronization element so that all your changes can move between devices without any heavy lifting.
At its heart is the well proven and much loved Envelope Budgeting methodology.
You own your data and can do whatever you want with it. Featuring multi-device sync, optional end-to-end encryption and so much more.
Key Features
- Attractive user interface.
- Add all of your accounts and track everything in one place. Get valuable information like net worth from all your accounts together.
- Built in support for bank syncing using goCardless (EU/UK) and SimpleFIN (US/Canada).
- Manage transfers easily by creating transfer transactions. Actual will link the transactions on both sides and update them together.
- Robust undo system allows you to rollback any changes you make, and redo them if desired. Never worry about making mistakes
- Data is synced in the background so all devices have access, but the app totally works regardless of your network connection. This also allows end-to-end encryption to keep your data private.
- Envelope budgeting to get on top of your finances. You can only budget cash you have on hand, which means your budget stays realistic and you don’t make numbers up.
- Import transactions from the most popular financial files: QIF, OFX, QFX, CAMT.053 and CSV.
- Builtin YNAB4 & nYNAB importers that keep all of your history.
- Intuitive reports.
- Full-featured API.
- Dark mode.
Website: github.com/actualbudget/actual
Support:
Developer: James Long
License: MIT License
Actual Budget is written in TypeScript and JavaScript. Learn TypeScript with our recommended free books and free tutorials. Learn JavaScript with our recommended free books and free tutorials.
Related Software
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Read our verdict in the software roundup.
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