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Actual Budget is a fast, privacy-focused personal finance app built around the proven envelope budgeting methodology. It keeps you in control of your money with tools designed to help you make thoughtful financial decisions rather than relying on automated guesswork. The app is fully local-first, meaning it works offline and syncs quietly across your devices without ever compromising ownership of your data. Optional end-to-end encryption ensures your financial information stays private, even...

zero is a privacy-first, fully offline expense tracking app for Android and iOS. Unlike most finance apps, zero does not require accounts, cloud sync, subscriptions, or internet access. All financial data stays locally on your device. There are no ads, no telemetry, and no analytics. zero helps you: • Track daily expenses in a clean timeline • Visualize spending with simple reports • Create unlimited custom categories • Manage lendings and borrowings • Export or delete your data...