The app that replaces your financial spreadsheetsImprove your finances with an intuitive, privacy-focused local app that syncs data across all devices.
Available for macOS, Windows, Linux, iOS, and Android
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Be involved in your financial decisions
Automated finance tools are great, except when they aren’t. We provide you with tools that are quick to use, but ultimately you are in control. We help you learn, instead of dictating.
Meticulously designed for speed
A beautifully designed interface is fine-tuned to get out of your way and make it as fast as possible to explore your finances.
Unabashedly local-first software
Actual is a local app, plain and simple. Your data is synced in the background so all devices have access, but the app totally works regardless of your network connection. This also allows end-to-end encryption to keep your data private.
Powerful budgeting made simple
Save hundreds of dollars a year (at least!) by tracking your spending. Based on tried and true methods, our budgeting system is based off of your real income instead of made up numbers. This makes you face your real spending, and clearly shows how much you are saving each month. We make this process as simple as possible. Learn more
The fastest way to manage transactions
Breeze through your transactions and update them easily with a streamlined, minimal interface. Categorizing your transactions correctly is important and we’ve optimized this process. Manage split transactions and transfers all in the same editor.
Oh my, the reports
Intuitive reports give you a quick way to learn about your finances. By default, we include net worth and cash flow reports, but soon you’ll be able to create any report that you like. You’ll even be able to download custom reports from others.
So many features
Your data is protected
shield-lockWhile Actual is a local app, changes are stored on our servers. This lets you pull down changes from anywhere. We use bank-level 256-bit AES encryption to store your data. We also offer end-to-end encryption which means even we can't read your data. Learn more
Ready to get started?Actual Budget - Robust and simple budgeting that works | Product Hunt Embed