Actual

Actual is a new system for tracking your finances easily. It provides a budgeting system based on "envelope budgeting," a proven method for managing your spending. You can also track all of your finances, including investment accounts, in one place.

Features:

PRIVACY

Your data is primarily stored locally, but for syncing it may be uploaded to our servers securely. We provide optional end-to-end encryption if you really want to keep it private.

ON THE GO

If you use the desktop app, all you have to do is login and download your files to continue budgeting while you're out. All of your changes will be seamlessly synced across devices.

BUDGETING

Actual provides a powerful method for budgeting that makes it easy to see your spending. The idea is you treat categories as funds that money is distributed into, and categorizing transactions pulls money out of a category. If you have a positive balance in a category, you know you have cash to spend. You also have to make up for overspending.

This means your budget is always based on real data; there's no made up numbers. You can't cheat it ― your expenses and income must be reconciled in way that makes sense with your budget. It also makes it obvious when something is wrong and gives guidance for how to fix it.

The ease and accuracy of this system give you peace of mind when it comes to your finances.

TRACK EVERYTHING

Create accounts off the budget to track anything that doesn't make sense in the budget. These can be investments, mortgages, or anything else. Get a complete financial picture in a single place.

MANAGE TRANSACTIONS

Quickly add or edit transactions with a streamlined user interface. Categorizing transactions shouldn't feel like a burden.

We also provide a desktop app! Learn more at https://actualbudget.com