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.
I wanted to start budgeting and read a lot of good stuff about YNAB initially. Was kinda bummed they moved to a SaaS model so continued looking. Found Actual and have been using it for a couple of months. I really like it because it very clean and to the point. But still versatile without feeling complex.
Can really recommend this. Would love to have the option for sub-budgets.
Daybridge
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