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Actual Budget

Local-first envelope budgeting (ex-commercial, now MIT)

verified 2026-07-02MITself-hostable
Value Index
4.8 / 5
Transparency5
Value density5
Privacy5
Efficiency4

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Why it's listed

Actual was a commercial budgeting app whose developer open-sourced the whole product under MIT. Local-first envelope budgeting with optional encrypted sync — your financial data stays in a SQLite file you own. The community now maintains it actively. We verified the license history and local-first architecture.

Facts

License
MIT
Pricing
Free
Funding model
Community OSS
Self-hostable
Yes — deploy difficulty: easy
Replaces
YNAB, Mint
Verification
Verified against the rubric on 2026-07-02

Evidence notes

Formerly paid product open-sourced; local-first sync; small footprint

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