Actual

Actual is an open-source, self-hosted personal finance tool that implements envelope budgeting to help users track their spending and manage their savings. The software focuses on a local-first approach, ensuring that financial data remains under the control of the user rather than being stored on a proprietary corporate server.

The application is written in NodeJS and offers multiple deployment options to suit different technical skill levels. Users can run it as a local-only desktop application on Windows, Mac, and Linux, or deploy it as a server using a Docker image. For those who prefer managed solutions, the software supports one-click deployment via PikaPods or managed hosting through Fly.io. This flexibility allows the tool to function as either a private local utility or a synchronized web application.

Key features

• Envelope budgeting system for allocating funds
• Local-first data storage for increased privacy
• Multi-device synchronization to keep data current
• Optional end-to-end encryption for sensitive information
• Bank synchronization for users in the US, EU, and UK
• Dedicated desktop clients for Windows, Mac, and Linux
• Community-driven translation support via Weblate
• Migration guides for users moving from other budgeting apps

The internal architecture is divided into several distinct packages to maintain cross-platform compatibility. The loot-core package contains the primary application logic that runs on any platform, while the desktop-client and desktop-electron packages handle the user interface and OS integration. This modular design supports a community-driven development model where users can contribute to the core logic or the interface. The software is intended for individuals who require a transparent system for tracking money and prefer to avoid the subscription models of commercial finance apps.

Actual is a privacy-focused tool for users seeking a free and transparent budgeting software.