...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 when using self-hosted sync. With intuitive budgeting tools, streamlined transaction management, and powerful custom reporting, Actual Budget makes it easier to understand your spending and savings. ...