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On the recordRead 12 Oct 202619 facts
Actual Budget
Plans and prices
Free and open source
Free
Envelope budgeting · Desktop and web access · Optional self-hosted synchronization · Open-source MIT-licensed software
Read 19 Sep 2026 · app.actualbudget.org
On the record
- Account sync
- bothactualbudget.org · read 19 Sep 2026
- Bank integrations
- Documented bank sync providers include Akahu, Enable Banking, GoCardless, SimpleFIN Bridge and Pluggy.ai.actualbudget.org · read 12 Oct 2026
- Bank sync requirements
- Bank integration requires actual-server and credentials from the chosen provider; automatic transaction syncing is off by default.actualbudget.org · read 12 Oct 2026
- Bill tracking
- Yesactualbudget.org · read 19 Sep 2026
- Budgeting
- Envelope budgeting lets users assign only cash they have on hand.actualbudget.org · read 12 Oct 2026
- Budgeting tools
- Yesactualbudget.org · read 19 Sep 2026
- Desktop platforms
- Download pages list desktop clients for Windows, macOS and Linux.actualbudget.org · read 12 Oct 2026
- Encryption
- Optional end-to-end encryption prevents the server from accessing encrypted budget data, but does not cover bank sync tokens.actualbudget.org · read 12 Oct 2026
- Encryption limitation
- If the encryption password is forgotten and no local data copy remains, the encrypted data cannot be recovered.actualbudget.org · read 12 Oct 2026
- Imports
- Actual supports importing QIF, OFX, QFX, CAMT.053 and CSV files.actualbudget.org · read 12 Oct 2026
- Local-first
- The app stores data on the local device and selected Actual server, and works without a network connection.actualbudget.org · read 12 Oct 2026
- Net-worth tracking
- Yesactualbudget.org · read 19 Sep 2026
- Purpose
- Actual Budget is a privacy-focused finance app built around envelope budgeting.actualbudget.org · read 12 Oct 2026
- Report export
- Yesactualbudget.org · read 19 Sep 2026
- Reports
- The app includes net worth and cash flow reports, plus a custom report engine.actualbudget.org · read 12 Oct 2026
- Server hosting
- The sync server can be installed through PikaPods, Fly.io, Server CLI, Docker or from source.actualbudget.org · read 12 Oct 2026
- Support
- The documentation directs users to the maintainers and community for help and support.actualbudget.org · read 12 Oct 2026
- Transactions
- Users can manage split transactions and transfers in the transaction editor.actualbudget.org · read 12 Oct 2026
