Ever wondered what it would be like to have a personal finance manager that’s more reliable than your pet goldfish and less judgmental than your mother-in-law? Meet the OS for your personal finances! This open source marvel is here to save you from the abyss of financial chaos with the grace of a ballerina and the precision of a Swiss watch. Forget those pricey SaaS alternatives that charge you an arm and a leg just to tell you you're broke. Our app will not only help you budget, track expenses, and plan for the future, but it will also do it with a smile (or at least a friendly user interface). So, why not give your wallet a break and let this financial wizard work its magic? Your bank account will thank you, and you might even find yourself with enough spare change to buy that extra-large pizza on a Friday night!

Every unit of income gets a job in Actual Budget - a local-first personal finance app built on envelope (zero-sum) budgeting, where you can only budget cash you actually have, which keeps the plan honest by construction. The data model is a SQLite file that lives on your device and works fully offline; the self-hosted Node.js sync server adds background multi-device synchronization using CRDT-based distributed-systems machinery, browser and mobile access as an installable web app, and automated backups. Optional end-to-end encryption makes the synced data unreadable even to the server hosting it. Transactions enter three ways: manual entry, file import (CSV, QIF, OFX, QFX, CAMT.053), or automatic bank syncing through GoCardless for EU/UK banks and SimpleFIN for US/Canada. Built-in YNAB4 and nYNAB importers migrate complete budget histories, and reports, schedules for recurring transactions, and rule-based transaction cleanup handle the day-to-day. A fully featured local API lets developers script custom importers and automation against their own data. 100% free, open source, and 26k stars strong.