Focuses on privacy and user control and works on an envelope budgeting method, a proven technique for managing finances effectively. Actual budget interface is quite straightforward. Unlike many popular budgeting apps that rely on cloud storage, Actual Budget prioritizes local data storage and offers optional end-to-end encryption. The list of features includes detailed reports, schedules to manage your future expenses, bank sync (in the US, UK, and Canada), rules, and more.
Last modified 17 February 2026