Actual Review & Alternatives (2026 Guide)
Robust and simple budgeting that works.
Actual is a personal finance tracker with a powerful budgeting system. Only budget money that you have and see exactly how much you're saving each month. Track all your accounts in one place. It's also a completely free local app which keeps your data private, with an optional service for syncing across devices.
Actual in action
Actual user ratings
Based on 1 review
Recent user highlights
We use Actual as the base software for our budgeting platform. The developer community and maintainers are amazing. MyBudgetCoach has been able to contribute two key features in 2024 (US bank sync support and locking reconciled transactions) and plans to contribute more as we grow!
Top Actual Alternatives (2026)
Looking for a Actual alternative? Here are the most-compared options people consider.
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Copilot
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