Actual Budget - Your Finances 4+

Personal Finance Tracker

Shift Reset LLC

    • 3.9 • 36 Ratings
    • Free
    • Offers In-App Purchases

iPhone Screenshots


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:

What’s New

Version 0.0.144

* 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!

Ratings and Reviews

3.9 out of 5
36 Ratings

36 Ratings

emiliowright ,

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.

jwwm17 ,

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.

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!

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

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