Actual is a local-first personal finance app that runs on your own infrastructure and keeps your financial data under your control.
The tool addresses the privacy and data ownership concerns that arise when using cloud-based budgeting services. It stores all financial information locally by default, syncing across devices through an end-to-end encrypted server when needed. The application provides standard personal finance features including transaction tracking, budget creation, and account management, with the ability to import data from other sources.
Actual suits developers and privacy-conscious users who want to self-host their financial tools and avoid sending sensitive data to third-party servers. It works well for individuals managing multiple accounts and those who value owning their data outright. The project is particularly relevant for users already comfortable running their own services or those in environments where data residency matters.
The project shows consistent development activity with regular commits addressing bug fixes, feature improvements, and user-reported issues. Pull requests receive timely review and feedback from maintainers. The codebase demonstrates active maintenance through ongoing refactoring and modernization efforts. Community contributions are welcomed and integrated into the main branch regularly. The project maintains documentation and responds to user questions in issue discussions.
