Actual Budget

Where it may fit

Consider a local-first approach when you want more responsibility for how your budgeting setup is run.

• People comfortable choosing a software setup
• Budgeters comparing hosted services with local software

What to know before choosing

• Optional hosting and bank-sync providers have their own costs and terms.
• A self-managed setup needs a backup and maintenance routine.

Selection facts

Resource type

App or tool

Format

self-paced

Verified Oct 2, 2026 · evidence expires Nov 1, 2026

Documented features

Free open-source budgeting software, Envelope budgeting, Local operation and optional sync server, Optional end-to-end encryption, Optional third-party bank syncing

Verified Oct 2, 2026 · evidence expires Nov 1, 2026

Experience

Not currently verified

Platforms

Web, Windows, macOS, Linux

Verified Oct 2, 2026 · evidence expires Nov 1, 2026

Languages

Not currently verified

Documented regions

Not currently verified

Published time

Not currently verified

Scoped selection facts

Offline operation: Local operation and an optional sync server. (Software operation; hosted-service costs and all offline operations not established); Bank connection markets: Optional third-party bank syncing. (Exact institution and market support not established)

Verified Oct 2, 2026 · evidence expires Nov 1, 2026

Verified tiers and offers

Recorded resource access · US · Free access · Additional offer and feature limits not established

Verified Oct 2, 2026 · evidence expires Nov 1, 2026

Supported goals

Budgeting habits

Current evidence

Provider statements, observations, and directory interpretations are identified separately. A source supports only the field shown.

1. Scoped selection facts · provider claim
   Verified Oct 2, 2026 · expires Nov 1, 2026
   Actual Budget: scoped selection facts source 1 ↗Actual Budget: scoped selection facts source 2 ↗
2. Platforms · provider claim
   Verified Oct 2, 2026 · expires Nov 1, 2026
   Actual Budget: platforms source 1 ↗Actual Budget: platforms source 2 ↗
3. Verified tiers and offers · provider claim
   Verified Oct 2, 2026 · expires Nov 1, 2026
   Actual Budget: verified tiers and offers source 1 ↗Actual Budget: verified tiers and offers source 2 ↗
4. Resource identity · provider claim
   Verified Oct 2, 2026 · expires Dec 31, 2026
   Actual Budget: resource identity source 1 ↗Actual Budget: resource identity source 2 ↗
5. Format · provider claim
   Verified Oct 2, 2026 · expires Nov 1, 2026
   Actual Budget: format source 1 ↗Actual Budget: format source 2 ↗
6. Documented features · provider claim
   Verified Oct 2, 2026 · expires Nov 1, 2026
   Actual Budget: documented features source 1 ↗Actual Budget: documented features source 2 ↗
7. Access · provider claim
   Verified Oct 2, 2026 · expires Nov 1, 2026
   Actual Budget: access source 1 ↗Actual Budget: access source 2 ↗

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