Actual Budget

By Actual Budget community ยท Spreadsheets and self-hosted

About Actual Budget

Open-source envelope budgeting app you can self-host, with local-first data and optional sync between devices.

Actual Budget is a free, open-source budgeting app based on envelope budgeting. It started as a paid product and was later released as open source, and a community now maintains it. You can run it on your own computer or server, or use a hosting service that runs it for you.

Data is stored locally first and syncs between your devices through the server you choose, with optional end-to-end encryption. You can import bank files, and in some regions connect banks through third-party services you set up yourself. It suits people who like the YNAB style of budgeting but want control over where their data lives. Expect some setup if you host it yourself. Its documentation covers installing it, importing from other apps and how the budget works.

Details

  • Free plan or free version

    Yes
  • Open source

    Yes

Not enough info yet on connects to bank accounts, mobile app, uses AI to sort or explain your money. Check the tool's own site.

Listing written by NeedSaving, checked 2026-11-03. Report a correction or request removal. Back to spreadsheets and self-hosted.