Actual Budget

Actual Budget is a local-first personal finance app built around envelope budgeting. It runs entirely on your device, so it keeps working regardless of your network connection, and your data stays on hardware you control rather than a hosted account.

It syncs changes across devices with optional end-to-end encryption, imports QIF, OFX, QFX, CAMT.053, and CSV files, and includes bank sync through goCardless and SimpleFIN. There are net worth and cash flow reports, split transactions and transfers, undo and redo, and importers for YNAB4 and nYNAB.

It is written in NodeJS and licensed under MIT. You can self-host the Docker image, run one-click hosting on PikaPods or Fly.io, or install the local-only desktop apps for Windows, Mac, and Linux. The app itself is free.