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actualbudget/actual

A free, open-source, local-first personal finance app for envelope budgeting, with sync across devices.

Open-source alternative to:YNABMint

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What is it?

Actual is a local-first personal finance app built on envelope budgeting, the approach of assigning money to categories before you spend it. The app is written in Node.js and TypeScript, and your data lives on your own device first, so it works without a constant connection.

Changes sync between devices, so the same budget can be used on desktop and other clients. Actual can be deployed in several ways: via a Docker image for self-hosting, through managed hosting on Fly.io or PikaPods, or as downloadable Windows, Mac and Linux apps that run locally.

The project is community-driven, with documentation covering budgeting basics, account management and migration from other budgeting apps. The codebase is split into a shared core (loot-core), a desktop UI (desktop-client) and an Electron desktop shell (desktop-electron).

Key features

  • 01Envelope budgeting for assigning money to categories before spending
  • 02Local-first data storage that works without a constant connection
  • 03Synchronization of changes across devices
  • 04Self-hosting via Docker image
  • 05Downloadable Windows, Mac and Linux apps
  • 06Managed hosting options on Fly.io and PikaPods

Use cases

  • Tracking a personal or household budget with envelope-style categories
  • Keeping financial data on your own server or device instead of a third-party cloud
  • Using the same budget on a desktop computer and other devices
  • Moving from another budgeting app and starting a fresh budget

Quick start

  1. 1

    Download the local-only app for Windows, Mac or Linux from the downloads page

  2. 2

    Or self-host with a Docker image, following the Docker install docs

  3. 3

    Or use one-click deployment via PikaPods (about $2/month), recommended for non-technical users

Things to know

  • Self-hosting requires setting up Docker or a server yourself.
  • Hosted options such as PikaPods and Fly.io carry a monthly cost.

Topics

#personal-finance#budgeting#local-first#typescript#self-hosted#electron#finance#money

FAQ

What is actual?
A free, open-source, local-first personal finance app for envelope budgeting, with sync across devices. Actual is a local-first personal finance app built on envelope budgeting, the approach of assigning money to categories before you spend it. The app is written in Node.js and TypeScript, and your data lives on your own device first, so it works without a constant connection.
Is actual free to use? What license does it have?
actual is open source under the MIT license. Check the license terms before using it in commercial products.
Is actual still maintained?
Actively maintained. The last commit to actual was on Oct 19, 2026.
What can I use actual for?
Tracking a personal or household budget with envelope-style categories Keeping financial data on your own server or device instead of a third-party cloud Using the same budget on a desktop computer and other devices Moving from another budgeting app and starting a fresh budget
How do I install actual?
Download the local-only app for Windows, Mac or Linux from the downloads page Or self-host with a Docker image, following the Docker install docs Or use one-click deployment via PikaPods (about $2/month), recommended for non-technical users
Where can I get actual?
The source code and installation instructions are on GitHub: https://github.com/actualbudget/actual

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