Actual Budget
Local-first personal finance
What is Actual Budget?
Actual Budget is a local-first personal finance app with envelope budgeting, bank sync and detailed reports. It runs entirely on your own machine or server, so your financial data is never stored by a third party.
Best for
People wanting YNAB-style budgeting without the subscription
Replaces
- YNAB
- Mint
- Monarch Money
Key features
- Envelope budgeting
- Bank sync via GoCardless
- Reports and net worth tracking
- End-to-end encryption
How to deploy
- Docker
- Desktop app
Project health
- GitHub stars: 29,235
- Last code push: 2026-09-29
- Open issues: 258
- Status: actively developed
Figures pulled from the GitHub API and refreshed periodically.