Actual Budget

Actual Budget is an open-source personal finance application built around the popular Envelope Budgeting system. It stands out by prioritizing user privacy and data ownership, operating as a local-first application where your data resides on your device, with optional end-to-end encrypted syncing across multiple devices. The tool is meticulously designed for speed and efficiency, allowing users to quickly manage transactions and gain insights into their finances.

The core value proposition of Actual Budget lies in empowering users to take control of their financial decisions. It offers features like comprehensive transaction management, powerful reporting tools including custom reports, and bank syncing capabilities to automate data entry. While it provides a robust set of features, it maintains a philosophy of user control rather than automation dictation, making it ideal for those who want an active role in understanding and managing their money.