Logo
Deploy Now

SaaS Alternative

Mint YNAB Monarch Money EveryDollar PocketSmith

Categories

Self-Hosted Productivity Privacy Finance Expense Tracking Budgeting Personal Finance Money Management

Stars

27516

Forks

2684

Watchers

80

Developer links

Last Updated: 07-13-2026 11:04 PM (UTC)

Actual Budget

Every unit of income gets a job in Actual Budget - a local-first personal finance app built on envelope (zero-sum) budgeting, where you can only budget cash you actually have, which keeps the plan honest by construction. The data model is a SQLite file that lives on your device and works fully offline; the self-hosted Node.js sync server adds background multi-device synchronization using CRDT-based distributed-systems machinery, browser and mobile access as an installable web app, and automated backups. Optional end-to-end encryption makes the synced data unreadable even to the server hosting it. Transactions enter three ways: manual entry, file import (CSV, QIF, OFX, QFX, CAMT.053), or automatic bank syncing through GoCardless for EU/UK banks and SimpleFIN for US/Canada. Built-in YNAB4 and nYNAB importers migrate complete budget histories, and reports, schedules for recurring transactions, and rule-based transaction cleanup handle the day-to-day. A fully featured local API lets developers script custom importers and automation against their own data. 100% free, open source, and 26k stars strong.

Actual Budget
Actual Budget

Benefits

  • A Budget That Cannot Lie
  • Envelope budgeting only lets you allocate money that exists, so the plan reflects reality instead of optimistic projections.
  • YNAB's Method Without YNAB's Subscription
  • The proven zero-sum methodology plus built-in YNAB4 and nYNAB importers that carry your entire history over - for free, forever.
  • Finances Nobody Else Can Read
  • Data lives in a local SQLite file, and optional end-to-end encryption keeps synced copies unreadable even to your own server.
  • Works on a Plane, Syncs at Home
  • Local-first architecture means full functionality offline; CRDT-based sync reconciles changes across devices whenever a connection returns.

Features

  • Envelope Budgeting
  • Zero-sum allocation of real cash into category envelopes, with money movable between categories as life happens.
  • Self-Hosted Sync Server
  • Background multi-device sync, browser and mobile PWA access, and automated backups from your own infrastructure.
  • Bank Sync and File Import
  • GoCardless (EU/UK) and SimpleFIN (US/Canada) automatic syncing, plus CSV, QIF, OFX, QFX, and CAMT.053 imports.
  • End-to-End Encryption
  • Optional encryption that renders synced data unreadable to the server holding it.
  • Rules, Schedules, and Reports
  • Recurring transaction schedules, rule-based auto-categorization, and spending reports.
  • Developer API
  • A fully featured API running against local data for custom importers and automation.