Actual Budget keeps envelope budgeting on your own computer, free and open source, with no monthly subscription
A budgeting app that treats your money file the way a spreadsheet treats a spreadsheet: yours, on your disk, no monthly fee.
Actual Budget is a local-first envelope budgeting app, which means the budget file lives on your machine, works offline, and syncs changes in the background rather than sitting in someone else's account. Desktop builds are published for Windows (Microsoft Store, x64 and arm64), macOS (Intel and Apple Silicon), and Linux (Flathub and AppImage). The desktop app on its own gives you the full budgeting feature set; you only need a sync server if you want the same budget on a second device or automatic bank imports, and that server can be self-hosted or set up on PikaPods. Bank syncing runs through GoCardless in the EU and UK and SimpleFIN in the US and Canada, so readers outside those regions will be entering transactions by hand.