# Actual

A local-first personal finance app

Repository: https://github.com/actualbudget/actual
Canonical: https://ross.abutalabs.com/products/actual-budget
Homepage: https://actualbudget.org
Language: TypeScript
License: MIT
License Family: permissive
Topics: budgeting, finance, money, personal-finance
Last push: 2026-08-26T16:54:13+00:00
Link (homepage): https://actualbudget.org
Link (site_page): https://actualbudget.org/docs/tour
Link (site_page): https://actualbudget.org/docs
Link (site_page): https://actualbudget.org/docs/install
Link (site_page): https://actualbudget.org/docs/getting-started/sync

## Health v2 (maintenance only)
Score: 98/100 (v2, computed 2026-09-03T02:20:16.233290+00:00)
- activity 99, release rhythm 96, longevity 100
- inputs: {"age_days": 1587, "days_push": 7, "days_rel": 26, "gap_med": 28.0, "n_releases_24m": 33}
- flags: none
- formula: round(0.45*activity + 0.35*rhythm + 0.20*longevity); archived -> min(score, 10)

## Adoption (not part of the score)
Stars 28387, forks 2888 (observed 2026-08-28T04:11:48.307870+00:00)

## What it is
Actual Budget is a free, open-source, local-first personal finance app built with Node.js and TypeScript, centered on envelope budgeting. It runs as a desktop/web client with an optional sync server (Docker or hosted), supporting multi-device sync, optional end-to-end encryption, transaction tracking, reports, and bank syncing via GoCardless, SimpleFIN, and other providers.

## Use cases
- track my spending with envelope budgeting
- self-host a personal finance app that keeps my data private
- sync my budget across devices with end-to-end encryption
- import transactions from bank files and CSVs
- replace YNAB with a free open-source budgeting tool
- see net worth and cash flow reports for my accounts
- automatically sync transactions from my bank

## When to choose
- you want full ownership and privacy of your financial data with local-first storage
- you prefer envelope-based budgeting over forecasting methods
- you want a free, self-hostable alternative to YNAB or paid budgeting apps
- you need offline-capable budgeting with optional multi-device sync

## When to avoid
- you want fully automatic hands-off money management without manual transaction entry
- you need managed multi-user or business accounting features
- you are unwilling to run a server or maintain backups for browser-only usage

## Facets
- artifact type: application
- maturity: active
- function: self-hosted, developer-tools
- domain: fintech, developer-tools, self-hosted, privacy
- platform: self-hosted, cross-platform
- tags: budgeting, personal-finance, envelope-budgeting, local-first, money-management, bank-sync, electron, end-to-end-encryption, docker, web-server, nodejs, desktop, mobile

## Member repositories
- actualbudget/actual (main) score 98
- actualbudget/actual-server (backend) score 10

## Provenance
- Observed fields: from GitHub, fetched 2026-08-28T04:11:48.307870+00:00.
- Health v2: computed from the inputs above; adoption is never an input.
- Inferred fields (summary, facets, guidance): AI-extracted, prompt v1, taxonomy v1, on 2026-08-29T16:54:23.334960+00:00, confidence not recorded.
  - readme: https://github.com/actualbudget/actual (fetched 2026-08-28T04:11:48.307870+00:00, sha 86f75c7d04ad)
  - homepage: https://actualbudget.org (fetched 2026-08-29T07:51:47.405223+00:00, sha f450afdb5617)
  - site_page: https://actualbudget.org/docs/tour (fetched 2026-08-29T07:51:47.407999+00:00, sha 207becf257fb)
  - site_page: https://actualbudget.org/docs (fetched 2026-08-29T07:51:47.410168+00:00, sha 9a17c3017436)
  - site_page: https://actualbudget.org/docs/install (fetched 2026-08-29T07:51:47.412715+00:00, sha 6e186d73e5d3)
  - site_page: https://actualbudget.org/docs/getting-started/sync (fetched 2026-08-29T07:51:47.416550+00:00, sha c315b037d6df)
  - site_page: https://actualbudget.org/docs/budgeting (fetched 2026-08-29T07:51:47.420008+00:00, sha a26c4e570441)
  - site_page: https://actualbudget.org/docs/accounts (fetched 2026-08-29T07:51:47.422735+00:00, sha 2fcb40e2f977)
  - site_page: https://actualbudget.org/docs/advanced/bank-sync (fetched 2026-08-29T07:51:47.424929+00:00, sha eb096ca7ceee)
  - site_page: https://actualbudget.org/docs/transactions/transfers (fetched 2026-08-29T07:51:47.426896+00:00, sha 5f2da5af0fea)
- Data as of 2026-08-30T08:39:29.467469+00:00.