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Actual Budget

Local-first envelope budgeting you can self-host, with optional bank sync

Free (Open source, self-hosted.)r/ActualBudgetactualbudget.org

Feature record

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38 of 71 recorded

Cost

2 / 3

Free tier: Yes; github.com
Price: Free (Open source, self-hosted.); github.com
Lifetime purchase: ?

Connections

5 / 7

Account aggregation: Yes; actualbudget.org
Connectors: SimpleFIN · GoCardless · Enable Banking · Akahu · Pluggy; actualbudget.org
Refresh more than daily: No; actualbudget.org
Manual accounts: Yes
Countries: US · CA · GB · NZ · BR; actualbudget.org
Multi-currency: ?
Crypto and digital assets: ?

Transactions

8 / 13

Edit transactions: Yes
Create manual transactions: Yes
Rules engine: Yes; actualbudget.org
Mass edit: Yes
Split transactions: Yes; actualbudget.org
History import: Yes; actualbudget.org
Length of history: ?
Export: Yes
Import formats: ?
Nested categories: ?
Custom categories: Yes; actualbudget.org
Tags: ?
Receipt attachments: ?

Planning

9 / 16

Budgeting: Yes; actualbudget.org
Envelope budgeting: Yes; actualbudget.org
Zero-based budgeting: ?
Rollover budgeting: Yes
Recurring transactions: Yes; actualbudget.org
Bills: ?
Bill negotiation: No; actualbudget.org
Goal tracking: No
Debt payoff planning: ?
Cash-flow forecasting: ?
Scenario planning: ?
Retirement planning: Yes; actualbudget.org
Subscription tracking: ?
Subscription cancellation: No; actualbudget.org
Automated transfers: ?
Calendar view: Yes; actualbudget.org

Wealth

4 / 6

Net worth: Yes
Balance history import: Yes
Investment tracking: Yes
Investment transactions: Yes
Real estate: ?
Investment fee analysis: ?

Insight

3 / 4

Reports: Yes
Trends: No
Credit scores: No
Alerts: ?

Sharing

1 / 3

Partner or household: No
Adviser access: ?
Business or rental separation: ?

Platforms

3 / 5

Interfaces: Web · iOS · Android · Desktop
Full mobile app: ?
Home-screen widgets: ?
Customizable dashboard: Yes; actualbudget.org
Offline access: Yes; github.com

Trust

3 / 7

SOC 2: ?
2FA / MFA: ?
Sells or shares your data: ?
Read-only bank connections: ?
Data held by: You; github.com
Self-hosting: Yes; github.com
Open source: Yes; github.com

Nothing recorded yet — 2 groups, 7 attributes

Assistance

0 / 2

AI chat: ?
AI categorization: ?

Extending

0 / 5

Public API: ?
Spreadsheet sync: ?
Webhooks: ?
Tax export: ?
Tax filing: ?

Checked against the vendor’s own pages on 2026-09-04; 22 attributes carry the source they came from. Every “?” is a link — one field, no account.

Price history · cheapest recurring plan

2026-09-02: First recorded at Free

Every step is a reviewed change to the record, from the changelog; there is no nightly capture of the vendor’s pricing page. The median is the middle annual price of the 63 live listings that charge one.