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Actual is a personal finance tracker with a powerful budgeting system. Only budget money that you have and see exactly how much you're saving each month. Track all your accounts in one place.
It's also a completely free local app which keeps your data private, with an optional service for syncing across devices.
I’ve been doing envelope budgeting for almost a decade and my household only runs smoothly when I can stick to my weekly budgeting update schedule. I’ve been able to use Actual in beta for almost a year with no interruptions to this process. James has been an amazing steward of the product and I’m sure it’s only going to get better over time.
