Actual Next
Local-first budgeting
Only for Mac
$19.99
Mac
A calm, local-first home for your budget. Built-in AI assistant suggests where to save and proposes changes you approve.
Actual Next is a local-first personal budgeting app with a built-in AI assistant — your money data lives on your Mac, not on someone else's server.
Built around envelope-style, zero-based budgeting: every dollar gets a job before the month begins, and you adjust as life happens. Ask the AI assistant to analyze your spending, find places to cut back, recategorize transactions, or adjust your budget — and review every proposed change before it's applied.
KEY FEATURES
• Built-in AI assistant: ask about your spending, get budget suggestions, propose changes — every action requires your approval.
• Local-first: budgets, accounts, and transactions stay on your device by default.
• Envelope budgeting: assign every dollar to a category each month.
• Multiple accounts: checking, savings, credit cards, loans, investments — all in one place.
• Powerful reports: net worth over time, cash flow, spending by category.
• Rules and schedules: automate recurring transactions and categorization.
• Optional self-hosted sync: bring your own server if you want to share between devices.
• Import from CSV, OFX, QFX, and QIF.
• Multi-currency support.
• Actual format compatible: open and import existing Actual budget files.
An AI-powered budgeting tool, compatible with the Actual format. Not affiliated with any bank. No ads, no tracking, no upsells inside the app.
Ratings & Reviews
- This app hasn’t received enough ratings or reviews to display an overview.
Move transactions between accounts. A new Move action opens a modern account picker with search and balances, and you can now drag selected transactions straight onto any account in the sidebar.
The developer, Dal Rupnik, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Not Collected
The developer does not collect any data from this app.
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Dal Rupnik
- Size
- 160 MB
- Category
- Finance
- Compatibility
Requires macOS 12.0 or later and a Mac with Apple M1 chip or later.
- Mac
Requires macOS 12.0 or later and a Mac with Apple M1 chip or later.
- Mac
- Languages
English and 51 more
- English, Afrikaans, Amharic, Arabic, Bengali, Bulgarian, Catalan, Croatian, Czech, Danish, Dutch, Estonian, Filipino, Finnish, French, German, Greek, Gujarati, Hebrew, Hindi, Hungarian, Indonesian, Italian, Japanese, Kannada, Korean, Latvian, Lithuanian, Malay, Malayalam, Marathi, Norwegian Bokmål, Persian, Polish, Portuguese, Romanian, Russian, Serbian, Simplified Chinese, Slovak, Slovenian, Spanish, Swahili, Swedish, Tamil, Telugu, Thai, Traditional Chinese, Turkish, Ukrainian, Urdu, Vietnamese
- Age Rating
4+
- 4+
- Copyright
- © 2026 Unified Sense
