Overview Actual Budget is a privacy-focused app for managing your finances using the 'envelope' budgeting method.  Plan for expenses and view a running financial report.  Using a paid third-party service you can configure automatically download transaction information from your bank to keep an archive of your personal finances. Tryout an Actual Budget demo . Built for end-to-end encryption to ensure your data security and can run while completely offline. Automatically sync transactions from your bank using the third-party  GoCardless or SimpleFin services. View monthly information about your finances and build personalized reports.