Actual Budget
Local-first budgeting for small operator finances
oss-osi-approved stub guideOverview
Actual is a privacy-focused budgeting app with self-host sync server options. Solo operators may use it for personal/business envelope budgeting—not full multi-entity accounting.
At a glance
| Field | Value |
|---|---|
| Categories | accounting |
| Deployment | self-hosted, desktop |
| License class | oss-osi-approved (MIT) |
| Cost model | free-self-hosted |
| Implementation difficulty | easy |
| Maintenance burden | medium |
| Maturity | stable |
| Verification | partially-verified (2026-07-17) |
Cost reality
Free software; optional hosted community options vary.
Pricing and free-tier limits change frequently; re-check official pricing before budget decisions.
Tasks reduced or augmented
Software does not replace community or ops staff. It may reduce or augment:
- Expense discipline
- Simple budget planning
Human oversight still needed
- Scope limits vs accounting systems
Data held
-
accounts
-
transactions
-
budgets
-
Personal data: yes
-
Payment data: no / not primary
Risks
| Area | Notes |
|---|---|
| Vendor lock-in | Evaluate export formats and API completeness before deep customization. |
| Security | Apply updates promptly; restrict admin access; enable TLS. |
| Compliance | Operator remains responsible for privacy and local regulatory obligations. |
| Licensing | Confirm license fits commercial coworking use. |
| Operational | Plan backups, monitoring, and a restore drill before production use. |
Coworking fit
Roles: owner-operator, finance
Workflows: reporting-kpis
Problems: replace-spreadsheets, self-host-for-data-control
Smallest useful experiment
Track one month of space expenses with envelope budgets.
Typical time to first value: 1–3 days
Links
Implementation guide
See the human-written implementation guide.
Verification
- Status:
partially-verified - Last reviewed:
2026-07-17 - Sources:
Seed entry compiled from official project sites and repositories. Re-verify pricing, license text, and feature claims before production decisions. Star counts and free-tier numeric limits intentionally omitted unless verified at review time.