actual ☆
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Description:
Privacy-focused app for managing your finances
Type: Cask  |  Latest Version: 26.2.0@0  |  Tracked Since: Dec 17, 2025
Links: Homepage  |  @actualbudget  |  formulae.brew.sh
Category: Productivity
Tags: finance budgeting privacy local-first personal-finance budget
Install: brew install --cask actual
About:
Actual is a local-first, privacy-focused financial platform that gives users complete control over their financial data. It operates entirely offline with optional cloud sync using end-to-end encryption, ensuring sensitive financial information never resides on third-party servers. The application features powerful budgeting tools, transaction tracking, and real-time account syncing through bank integration.
Key Features:
  • Local-first architecture with full offline capability
  • End-to-end encrypted cloud sync for optional multi-device access
  • Zero-knowledge design - you own and control your financial data
  • Advanced budgeting with envelope-style category tracking
  • Direct bank syncing via bank-sync API integration
Use Cases:
  • Managing personal finances with complete privacy and data ownership
  • Budgeting and expense tracking without relying on cloud-based services
  • Multi-device financial management with encrypted synchronization
Alternatives:
  • YNAB – YNAB is cloud-only with subscription fees; Actual is local-first with optional self-hosted sync
  • Gnucash – Gnucash is more complex double-entry accounting; Actual focuses on modern budgeting UX
  • Banktivity – Banktivity is macOS-only and paid; Actual is cross-platform and open-source
Version History
Detected Version Rev Change Commit
Feb 2, 2026 3:40pm 26.2.0 0 VERSION_BUMP 44a37017
Jan 4, 2026 6:40pm 26.1.0 0 VERSION_BUMP 2eadae55
Aug 2, 2025 6:39pm 25.8.0 0 VERSION_BUMP 33c344b3
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