Actual Budget

Overview

Actual Budget is a personal finance program, available on Windows and Linux.

Features described in its Flathub listing, on its official website and in its Winget manifest: offline use, sync across devices and end-to-end encryption.

Overview written by LicitPro from the documentation published by the authors and the cited sources; we have not tried the resource ourselves.

At a glance

All of Actual Budget is free: no feature is locked behind a paid plan, and its code is open.

Its licence (MIT) is a permissive open source licence: use, modification and redistribution are allowed, including in commercial projects.

About

Actual Budget is a fast, privacy-focused finance app based on the Envelope Budgeting method. It prioritizes user control, allowing you to manage your data independently with multi-device sync and optional end-to-end encryption. The app emphasizes user involvement over automation, offering quick, intuitive tools while keeping you in charge of your financial decisions. Designed for speed, Actual Budget has a streamlined interface that minimizes distractions, making it easy to navigate your finances. It operates locally, ensuring functionality without a network connection while syncing data across devices. This local-first approach also enhances privacy through end-to-end encryption. The budgeting system is grounded in real income, helping you track spending and savings accurately. The app simplifies managing transactions with a minimal, efficient interface, supporting features like split transactions and transfers. Additionally, Actual Budget offers customizable reports alongside default net worth and cash flow reports, enabling users to analyze your finances in a way that suits you.

Description from Flathub — AppStream (Flathub)