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
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.
Doesn’t feel like iOS
Just feels like a bad android app
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.
* Fix a critical syncing bug that a recent released introduced in 0.0.141. If you've seen partial syncs, that should never happen again! * Also fix a few frontend caching issues which makes the budget numbers more robust * Improve entering amounts. If your system keyboard is set to a different number format than Actual, you will be shown a number input with a decimal separator like "." while Actual expects ",". Previously this made it impossible enter amounts, but now it will work regardless!
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