Actual26.11.0

Actual brings bank and manually entered finances into one workspace, helping you track spending, balances, budgets, and net worth without giving up a privacy-centered approach. You can combine accounts, review their activity together, and see the resulting financial picture in one place. The app also includes a self-hosted synchronization service that distributes changes across any number of devices using distributed-systems technology.

Its envelope-budgeting method limits plans to cash already on hand, keeping budget figures grounded in available money. Transfer transactions connect both sides of a transfer and update them together, while imports accept QIF, OFX, QFX, CAMT.053, and CSV files. A built-in undo and redo system lets you reverse changes and restore them when needed. Existing YNAB4 and nYNAB users can retain their history through the included importers, with additional importers available from the Actual Community.

Actual suits people who want direct involvement in household finances, including those consolidating several accounts or moving from another budgeting system. Bank synchronization is built in through goCardless for the EU and UK and SimpleFIN for the US and Canada. Dark mode, system-based dynamic theming, and a full API for local-data importers or custom features round out the workflow. Version 26.11.0 requires macOS 12 Monterey or later on Apple Silicon (arm64), and the software is freeware.