Actual Budget

Actual Budget is an open-source envelope budgeting app that keeps all data local on your device by default, with optional end-to-end encryption if you choose cloud sync. Built on Actual Technologies' original closed-source product, the open version lets you audit every line of code and sync across devices while maintaining complete control over your financial data. It supports rule-based transaction categorization and detailed reporting without any cloud dependency required.

Ideal for privacy-conscious users and those who want full transparency in how their software works. It's also a solid choice for people uncomfortable with subscription-based services, since Actual can run entirely on a personal server or across offline devices, though optional paid cloud sync is available for convenience.