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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.


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.

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.

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.

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.

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

What’s New

Version 0.0.133

* Track recurring bills, subscriptions, and more with scheduled transactions. While you can only create and manage scheduled transactions on the desktop app right now, the mobile app will show upcoming, due, and missed transactions in the account screen.

Ratings and Reviews

4.3 out of 5
21 Ratings

21 Ratings

emilio.olmedo ,

Good potential

This app looks clean and based on your Twitter, it will continue to grow. Someone posted that there was no submit button for transactions, which is true, but swiping to the side seemed to work as a submit. Keeping it and waiting to see it get better. Love the purple top bar. Maybe implement a dark mode? Keep it up, once it’s full of feature I might consider the sync.

hjanggg ,

Needs improvement

This app has a lot of potential to be a simple, clean budgeting app, but as of right now it is impossible to use. First & most importantly, i cannot figure out how to add transactions, because there is no “submit” button, only a “delete transaction” button. Also, there should be a way of adding transactions directly from the main page, rather than having to click into the specific account. Additionally, i can’t figure out how (or if there even is a way) to delete/rename categories or accounts, which seems like such an obvious feature for the app to have. Please fix these features and i may consider returning to this app!

John Drexler ,

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.

App Privacy

The developer, Shift Reset LLC, 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 Linked to You

The following data may be collected and linked to your identity:

  • Contact Info
  • Identifiers

Privacy practices may vary, for example, based on the features you use or your age. Learn More


  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

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