Actual Budget

A super fast and privacy-focused app for managing your finances.
Core Capabilities — What You Can Do With Actual Budget
Self-Hosted & Autonomous•
Zero-Based Envelope Budgeting — Assign every dollar to specific spending categories and savings goals before it gets spent.
•
End-to-End Cryptographic Encryption — Client-side cryptographic key derivation ensures personal budget data remains private on the server.
•
Automated Bank Sync — Connect with GoCardless and SimpleFin for automated daily bank transaction imports across thousands of banks.
•
Custom Financial Reports & Net Worth Tracking — Visualize income versus spending velocity, debt payoff timelines, and investment growth.
•
Multi-Device Offline Synchronization — Manage budgets smoothly offline on desktop or mobile, with instant cloud sync on reconnection.
System Specifications & Architecture
Platform NameActual Budget
Deployment ArchitectureDocker / Self-Hosted
Commercial AlternativeReplaces YNAB & Simplifi
Primary Domainactualbudget.org
Ecosystem CategoryProductivity & Business
Arqify Architectural Score9.5 / 10
Cost Economics & TCO Analysis
Save ~98% per yearAnnual Infrastructure Savings vs YNAB & Simplifi
Team Scale / Active Seats:Team Member Accounts
10 Seats (Users)Proprietary SaaS (YNAB & Simplifi)
~$3,480 / yr
Based on ~$29/seat/mo billingHostinger KVM VPS Compute
$71.88 / yr
Flat NVMe VPS ($5.99/mo) • Unlimited UsersNet Annual Savings
+$3,408.12 / yr
98% Total Cost ReductionDeploy on Hostinger ($5.99/mo)Partner promo code: Arqify
Need technical setup instructions or custom docker parameters?Official Actual Budget Deployment Guide
Technical Questions & Operational Answers
Yes. Actual Budget is an open-source Productivity & Business platform distributed under permissive open-source licenses. You can inspect its source code, modify it to fit your exact business workflows, and run it on your own servers without paying recurring user licenses.


