Actual Budget
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Actual Budget is open-source software that uses the envelope budgeting method, where you allocate money to categories before spending. All data stays on your device by default, with optional cloud sync through your own server or a private account. The zero-based budgeting approach forces intentional spending.
It appeals to budget-conscious users who want full control over their financial data. Freelancers who care about privacy and want a transparent, non-subscription tool will appreciate the open-source approach and local-first design.