Overview
Actual is a local-first personal finance application that implements envelope (zero-sum) budgeting. All data is stored locally in an SQLite database that syncs across devices through an optional self-hosted server using CRDTs for conflict resolution. It supports manual transaction entry, bulk import from QIF/OFX/QFX files, automatic bank sync via Nordigen/SimpleFIN, and a rule engine for auto-categorisation. The web UI is clean and fast.
Where it falls short of YNAB
- Bank sync coverage is narrower than YNAB's direct connections, especially outside the US/EU
- No mobile native app; the web app is mobile-responsive but not fully optimised for touch
- Investment tracking and net-worth projections are basic compared to Mint/Quicken
- Multi-currency support is limited and requires manual workarounds
We list the gaps honestly so you can decide if the trade-off is worth owning your data.
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