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Actual

Actual is a local-first, open source personal finance tool that syncs across devices without a cloud dependency.

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About Actual

Actual is a personal budgeting app that runs entirely on your local machine, with optional end-to-end encrypted syncing between devices. It tracks spending, manages budgets, and imports transactions from banks using CSV or QFX files. The app is built on a SQLite database, which keeps your financial data private and portable.

Actual supports multi-device sync via a self-hosted server or using their paid sync service. It works on Linux, Windows, macOS, and as a web app. The project was originally created by James Long and is now maintained by community contributors. It includes features like rules-based transaction categorization, goal tracking, and reporting views.

Active development continues under the Actual organization, with a focus on stability and core budgeting workflows. The software is free and open source (MIT license), making it a good fit for users who want full control over their financial data without subscription fees or third-party access.
Billing & Automation

Quick Facts

Pricing
Free
License
Open Source
Platform
Any Platform
Version
25.1.0
Developer
Actual Budget

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