Best Actual Budget Apps

4.3(90 ratings)

FreeIn-App Purchases

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Effortlessly manage your finances with this intuitive app. Track spending, set budgets, and achieve savings goals with a human-centered design. Enjoy real-time insights and secure, private data management.

Actuali by Matthew Farrell

iOS app for Actual Budget

Strong Contender

5.0(23 ratings)

Free

Manage your personal finances on the go with this native iOS client for a self-hosted budgeting app. Track expenses, view account balances, and generate reports directly from your iPhone, even offline. Syncs seamlessly with your existing server.

YNAB by You Need A Budget LLC

Never worry about money again

Worth Considering

EveryDollar: Budget Management

4.8😊(62K ratings)

FreeIn-App Purchases

#4in Finance

This app helps users gain control of their finances by creating flexible spending plans, tracking expenses, and managing debt. It aims to reduce financial stress and empower users to reach their goals. Features include account linking, manual transaction entry, and collaborative planning for multiple users.

What We Love

💰 Helps save money
👍 Intuitive and easy to use
🚀 Efficient budgeting system
🤝 Helpful for couples/families
🧠 Changes financial mindset
💻 Seamless desktop and mobile experience

Room to Improve

🔍 Steep learning curve
🔌 Connectivity issues with some banks
💰 Expensive subscription
🕰️ Reconciliation process could be improved
📱 Mobile app lacks some features of web version

More Actual Budget apps to explore

Track Income, Bills & Spending

Create quick budgets easilyTrack expenses and transactionsPlan spending and savings

This personal finance app helps you create budgets, track expenses, and manage your money to achieve savings goals and pay off debt. It offers tools for income and bill tracking, making financial planning simple and accessible for various needs.

(84K)

Goodbudget Budget Planner

Money & Expense Tracker

Virtual envelope budgetingShared budgetsExpense tracking

This app helps you manage your finances and plan your spending using a virtual envelope system. Track expenses, monitor debt, and gain insights with helpful reports. Share your budget with family or friends across multiple devices.

Forecast bills & net worth

Future expense forecastingNet worth trackingRental property management

This app forecasts future expenses and net worth by analyzing recurring bills and calendar events. It provides a clear 'Safe to Spend' number, helping users manage finances proactively. Rental properties and debt are tracked with accurate interest calculations.

(3)

Spending Tracker - SpendKit

Smart Budget & Money Manager

Log expenses and income quicklyTrack subscriptions and bills with remindersCreate and manage budgets

Track your spending, bills, and subscriptions in one place without needing bank logins. Set budgets, savings goals, and manage debts with quick logging and insightful views. Get reminders for upcoming charges and help with cancellations.

Daily Budget - DaySpend

Safe to spend tracker

Manual daily budget trackingAdjustable daily spending guideExpense logging

This app helps you manage your daily spending by providing a clear guide on how much you can safely spend each day. It adjusts your daily allowance based on your logged expenses, allowing leftovers to roll over and overspending to impact future budgets.

Ledg - Budget Tracker

by Dallas Tecson

Offline-first data storageFast expense trackingEnvelope budgeting system

This app offers a private and secure way to track your finances without connecting to your bank. It focuses on fast expense entry, envelope budgeting, and clear insights, keeping all your data locally on your device.

myWallet - Budget & Spending

Monthly budgets, made simple

Monthly budget setting by categoryQuick expense loggingSpending pace visualization

Track your monthly spending and stay within your budget. Easily log expenses, monitor your progress with visual charts, and manage custom spending categories. All your financial data is kept private on your device.

DayLedger - Simple Budget

by song kim

Quick expense trackingCalendar view of spendingSpending insights and charts

Easily track your daily income and expenses with a clean, minimalist interface. Visualize your spending habits through calendar and statistics views to gain insights into your financial patterns.

Monthly Budget Finance Tracker

Simple, good budget app

Set monthly budgetsTrack expenses by categoryMonitor income and expenses

Easily manage your money with a straightforward budgeting tool. Set spending limits, track expenses across categories, and monitor your income in real time to gain financial control. Ideal for those seeking a simple, effective way to budget without complexity.

Recurring Bills & Fixed Costs

Monthly: Budget Planner

Automatic fixed cost calculationIncome and expense trackingPayment reminders

This app helps you understand your real monthly budget by automatically accounting for fixed costs like rent and subscriptions. It provides clear statistics and payment reminders to help you manage your finances without manual entry.

(44)

Daycap — Daily Budget Planner

Spending tracker, expense log

Daily spending limit displayPre-purchase spending impact previewQuick expense logging

This app helps you manage your daily spending by setting a budget for a specific period. It shows you a single number representing how much you can spend today, adjusting it based on your expenses and income. The goal is to encourage mindful spending and reduce impulse purchases.

Calm monthly budget tracker

Monthly budget per categoryQuick expense loggingRecurring bill management

This app helps you track your monthly budget without linking bank accounts or displaying ads. It offers a calm, straightforward way to log expenses, view spending, and manage categories. An optional one-time purchase unlocks advanced analysis and features.

Budget, banks & stocks

AI transaction categorizationConnect to 2500+ banksSet savings goals

Manage your finances effortlessly with AI-powered transaction categorization and goal tracking. Connect to thousands of banks or share statements directly. Enjoy secure, private data management on your own server with end-to-end encryption.

Dudget: Daily Budget Tracker

Know What You Can Spend Today

AI Budget Tool: Voice Expenses

(0)

by Adding AI LLC

Hands-free expense tracking with AI voice commandsAutomatic categorization of transactionsManage unlimited accounts

Effortlessly track your spending using voice commands. This app automatically categorizes transactions, manages multiple accounts, and provides visual insights into your financial habits. It aims to simplify budgeting and help you save more.

Blocks: Simple Budget

Simple. Private. Yours.

Automated bill paymentsIncome trackingPrivate data storage

This app helps you manage your personal finances without subscriptions or ads. It automates bill payments, tracks income, and provides a clear overview of your spending and savings. Your data is kept private and stored locally or synced via iCloud.