Actual Budget is a fast, privacy-focused finance app based on the Envelope Budgeting method. It prioritizes user control, allowing you to manage your data independently with multi-device sync and optional end-to-end encryption. The app emphasizes user involvement over automation, offering quick, intuitive tools while keeping you in charge of your financial decisions. Designed for speed, Actual Budget has a streamlined interface that minimizes distractions, making it easy to navigate your finances. It operates locally, ensuring functionality without a network connection while syncing data across devices. This local-first approach also enhances privacy through end-to-end encryption. The budgeting system is grounded in real income, helping you track spending and savings accurately. The app simplifies managing transactions with a minimal, efficient interface, supporting features like split transactions and transfers. Additionally, Actual Budget offers customizable reports alongside default net worth and cash flow reports, enabling users to analyze your finances in a way that suits you.

Actual Budget is a fast, privacy-focused finance app using Envelope Budgeting for effective money management. The budgeting system uses real income, showing actual spending and savings clearly, while simplifying the process. Manage transactions efficiently with a minimal interface, allowing easy categorization, splits, and transfers. Sync your bank transactions; the software supports North American and European financial institutions. Intuitive, customizable reports include net worth and cash flow, offering insights tailored to your financial needs. Stay involved in financial decisions; the app provides quick tools while keeping you in control, helping you learn. You own your data, with multi-device sync, optional end-to-end encryption, and complete control. Designed for speed, the interface is optimized for fast, seamless financial management without distractions. Local-first software, with background sync and end-to-end encryption, even works offline while keeping data private.

Check out the full release notes at https://actualbudget.org/docs/releases