Enjoy managing your financesActual is a super fast privacy-focused app for managing your finances. You own your data, and we will sync it across all devices with optional end-to-end encryption.
Available for web, macOS, Windows, Linux, iOS, Android
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
Everything in one place
Add all of your accounts and track everything in one place. Get valuable information like net worth from all your accounts together. Learn more
Mobile app
A proper mobile app is critical to stay engaged with your finances. We've built a native app from the ground up with mobile interactions in mind.
Payees
Manage payees quickly. Merge them, set up custom rules for how they are matched, and use default categories to automatically categorize transactions. Learn more
Split transactions
Use split transactions to separate a single expense into multiple categories. An inline editor makes this seamless. Learn more
Budgeting
Track your spending with budgets. You can only budget cash you have on hand, which means your budget stays realistic and you don't make numbers up. Learn more
Transfers
Manage transfers easily by creating transfer transactions. Actual will link the transactions on both sides and update them together. Learn more
Importing Transactions
Import transactions from the most popular financial files: QIF, OFX, QFX, and CSV. Soon we will launch bank syncing to automatically download transactions. Learn more
Undo & redo
A robust undo system allows you to rollback any changes you make, and redo them if desired. Never worry about making mistakes. Learn more
Migrate your data
We provide a builtin YNAB4 importer that keeps all of your history (it's even open source). Importing from other apps is coming soon. Learn more
API
If you're a developer, we got you. Use our fully-featured API to write custom importers or build your own features. This API simply runs on your local data. Learn more
Syncing across devices
We offer a syncing service which uses sophisticated distributed systems technology to sync changes across any number of devices. Learn more
End-to-end encryption
We offer a syncing service which uses sophisticated distributed systems technology to sync changes across any number of devices. Learn more
Your data is protected
While 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
