Actual is a new system for tracking your finances easily. It provides a budgeting system based on "envelope budgeting," a proven method for managing your spending. You can also track all of your finances, including investment accounts, in one place.
Features:
PRIVACY
Your data is primarily stored locally, but for syncing it may be uploaded to our servers securely. We provide optional end-to-end encryption if you really want to keep it private.
ON THE GO
If you use the desktop app, copy your budget and take it with you. Simply connect your devices and it'll copy it so you can look at it while you're out. Update by simply copying again ― the process is quick and seamless.
BUDGETING
Actual provides a powerful method for budgeting that makes it easy to see your spending. The idea is you treat categories as funds that money is distributed into, and categorizing transactions pulls money out of a category. If you have a positive balance in a category, you know you have cash to spend. You also have to make up for overspending.
This means your budget is always based on real data; there's no made up numbers. You can't cheat it ― your expenses and income must be reconciled in way that makes sense with your budget. It also makes it obvious when something is wrong and gives guidance for how to fix it.
The ease and accuracy of this system give you peace of mind when it comes to your finances.
TRACK EVERYTHING
Create accounts off the budget to track anything that doesn't make sense in the budget. These can be investments, mortgages, or anything else. Get a complete financial picture in a single place.
MANAGE TRANSACTIONS
Quickly add or edit transactions with a streamlined user interface. Categorizing transactions shouldn't feel like a burden.
Terms of Service & Privacy Policy: https://actualbudget.com/terms-and-privacy
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In-Apps
Actual
$7.99
Screenshots
Actual Budget FAQ
Is Actual Budget free?
Yes, Actual Budget is free to download, however it contains in-app purchases or subscription offerings.
Is Actual Budget legit?
🤔 The Actual Budget app's quality is mixed. Some users are satisfied, while others report issues. Consider reading individual reviews for more context.
Thanks for the vote
How much does Actual Budget cost?
Actual Budget has several in-app purchases/subscriptions, the average in-app price is $7.99.
I have a self hosted actual-server but there doesn’t seem to be a way to connect to it. Creating an account leads me to a thing where I have to subscribe for $7.99/mo and nowhere in the app description does it mention this. Huh?
How to connect to my local server?
I would like to connect to my local Actual server. How to do that?
Support
I subscribed and sent a few support emails. I never heard back.
Simple budgeting app
I’ve used YNAB4 and nYNAB for nearly a decade and was displeased with the companies’ direction after rolling out nYNAB. As someone who just needs to maintain my budget, Actual Budget is nearly perfect. It lets me budget as I need to without features getting in the way, and it works across my phone, laptop and desktop so I can budget anywhere.
Folks new to budgeting entirely may want to look at other options that provide more support/guidance for new users. You will also want to plan on using a desktop or laptop to set up your budget; the app is more for adding transactions on the go than doing everything. If you’re looking for a mobile-first experience, there may be better choices out there.
Can’t delete or edit bill categories?
The website seems to give instructions for the desktop app, but there doesn’t appear to be this very basic functionality on the app. I’m sure it’s great when it’s all set-up, but this feels very alpha.
Your app has a bug
When I try to type email or anything in the app I can't see anything, cursor is moving but none of the entries are visible.
Daily use for months - very satisfied
I am a budgeting novice. Picked up Actual in August, started tracking my spending, and am now getting way more disciplined. App is easy to use, and fast. I pick it up after every time I spend money now, and know where every penny is going. Feels like I’m in control of my money for the first time. Great for budgeting beginners like me.
Good potential
This app looks clean and based on your Twitter, it will continue to grow. Someone posted that there was no submit button for transactions, which is true, but swiping to the side seemed to work as a submit. Keeping it and waiting to see it get better. Love the purple top bar. Maybe implement a dark mode? Keep it up, once it’s full of feature I might consider the sync.
Needs improvement
This app has a lot of potential to be a simple, clean budgeting app, but as of right now it is impossible to use. First & most importantly, i cannot figure out how to add transactions, because there is no “submit” button, only a “delete transaction” button. Also, there should be a way of adding transactions directly from the main page, rather than having to click into the specific account. Additionally, i can’t figure out how (or if there even is a way) to delete/rename categories or accounts, which seems like such an obvious feature for the app to have. Please fix these features and i may consider returning to this app!
Made budgeting easy
I followed James along his development process as I eagerly awaited the release of Actual. I was not disappointed. No ads, no recommended credit cards - just a clean, easy to use interface. Finally, a budget app that lets me budget the same way I think of my money. Great work!
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