About

Actual Budget is a powerful, open-source personal finance tracker and budgeting system originating from the United States. It allows users to budget only the money they have, track savings, and manage all accounts in one place. Available as a free, self-hosted solution on Windows, Mac, and Linux, it also supports installation as a Progressive Web App (PWA) for mobile use, enabling offline functionality and syncing when connected. Key features include a privacy-focused approach, bank integration (often via SimpleFIN Bridge), support for multiple currencies, and a dark mode. Users praise its robust nature, 'local first' design for constant access, and clean interface, often viewing it as a cost-effective alternative to subscription services like Quicken Simplifi and Monarch Money. While some users note challenges with automatic categorization and handling complex recurring bills, its active development is visible on GitHub, and it continues to evolve with community input.